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Captive agents can only sell products from their own company, meaning they won't show you potentially better rates from a competitor. 2. Independent Brokers and Financial Advisors

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Banks like Bank of America or Wachovia act as distributors rather than issuers. Captive agents can only sell products from their

A widely used comparison tool to get instant quotes from various providers. Summary of Top Carriers by Specialty (2026) Top-Rated Provider AM Best Rating Financial Strength New York Life Fixed Indexed Growth Allianz Life Highest MYGA Rates Customer Satisfaction Variety of Options Nationwide What is your primary goal for an annuity— New York Life where to buy annuities