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Guaranteed Income.
For Life.
Annuities can be a powerful retirement tool when used correctly — but finding the right product takes research. That's exactly what we're here for.
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Principal Protection Fixed annuities guarantee your principal — you can't lose what you put in, unlike market investments.
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Tax-Deferred Growth Your money compounds tax-deferred until you begin taking income, accelerating your retirement savings.
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Income You Can't Outlive Life annuities guarantee monthly income for as long as you live — no matter how long that is.
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Death Benefit Options Many annuities include death benefits that pass remaining value to your named beneficiaries.
Everything You Need to
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AnnuitiesHQ provides unbiased education, a trusted advisor directory, and a direct path to the best annuity rates in your state.
Annuity Education Hub
Our comprehensive annuity guide covers every product type, explains the jargon in plain English, and gives you the knowledge to ask the right questions before you invest a dollar.
Explore the guide →Trusted Advisor Network
Every advisor in our network is independently licensed, pre-screened, and bound by our Code of Ethics. We bring the right advisor to you — you don't have to search.
Find an advisor →Free Rate Comparison
Fill out our simple form and receive a customized annuity rates report comparing products from the top carriers in your state. No cost, no obligation, no pressure.
Compare rates →Three Steps to Your
Best Annuity Rate
We've simplified what used to be a complicated, confusing process into three straightforward steps.
Fill Out the Form
Tell us your age, state, investment amount, and retirement goal. Takes less than 60 seconds. No credit card, no commitment.
Get Your Custom Report
We prepare a personalized annuity rates report comparing the best-fit products from top carriers available in your state.
Connect with an Advisor
A licensed advisor from our trusted network will reach out to review your report, answer questions, and help you move forward — at your pace.
Frequently Asked
Questions
The answers to what most people want to know before they take the next step.
What is an annuity?
An annuity is a contract between you and an insurance company. You make a lump sum payment and in return the insurer guarantees you a stream of income — either for a set period or for the rest of your life. Annuities date back to Roman times and remain one of the only financial products that can guarantee you'll never run out of money.
Are annuities safe?
Fixed annuities are among the safest investment vehicles available. Although not FDIC-insured, annuity providers are required by state law to maintain cash reserves on a dollar-for-dollar basis. State insurance guaranty associations provide additional protection, typically up to $250,000 per carrier.
What is an annuity rider?
A rider is an amendment to your annuity contract that either expands or restricts the policy's benefits. Common riders include guaranteed lifetime withdrawal benefits, nursing home riders, inflation protection riders, and death benefit riders. Most riders have associated costs that reduce your monthly payout.
How much will an annuity pay me?
Your payout depends on three key factors: the amount you invest, how long you wish to receive payments, and the long-term interest rates at the time you purchase. As a general example, a 65-year-old investing $250,000 in a fixed immediate annuity might receive approximately $1,400–$1,600 per month for life in the current rate environment.
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Across America
Real people who used AnnuitiesHQ to find the right annuity and the right advisor for their retirement.
I can't say enough about the Team at Annuities HQ. Their service is unmatched and has helped me tremendously. Annuities HQ is fair, honest and when they say they will deliver, they actually do! They are a refreshing change in this industry.
Annuities HQ and the advisor I was matched with provided me with excellent resources, knowledge, and guidance to make this entire process nearly seamless. Their industry experience helped me feel comfortable and confident with my financial decisions.
I am exceptionally pleased with my interactions with Annuities HQ and their advisor network. I have relied on their guidance and advice when pursuing annuities and was equally impressed with their ability and desire to connect with me as a client.
The company AnnuitiesHQ.com assigned to handle my annuity had an excellent representative, Hayden Dawes. I did not use their services because I was already too far into the process with my current firm. However, for future investments I will definitely consider this group. Thanks, EG
We Work With All
Investment Amounts
Unlike many advisors who turn away smaller accounts, our network works with investors starting at $25,000 — because every retirement matters.
Don't let anyone tell you your investment is too small. Fixed and indexed annuities are available from $25,000 and can meaningfully supplement Social Security income.
Compare rates →The sweet spot for most of our clients. This range gives you access to the full spectrum of annuity products and the best advisor attention in our network.
Compare rates →Larger portfolios unlock premium annuity products, enhanced income riders, and preferred access to our senior advisor partners who specialize in high-net-worth retirement planning.
Compare rates →Latest from the
Annuity Guide
Everything you need to know about rolling your 401k into an annuity — the benefits, the process, the tax implications, and when it actually makes sense for your situation.
Fixed, indexed, or hybrid — which annuity type is right for your retirement situation? We break down every option with honest pros and cons so you can decide with confidence.
Annuities aren't right for everyone. Here's the complete, unbiased breakdown of the real benefits and genuine drawbacks so you can make an informed retirement income decision.