Annuity Provider:

When considering different annuity providers, one should understand that all the companies are similar. Annuities are only sold by the insurance companies and large insurance companies in America sell most of the annuity products. They are fixed annuities, variable annuities, deferred annuities and immediate annuities. However, every annuity may be customized with different options, resulting in thousands of possibilities.


Middle Man might be present in some situations:

There is a requirement of all annuities to be issued by insurance companies, but sometimes they are sold via middle man. Annuity distributors are included in these middle men and they are sometimes known as wirehouses. Banks, Independent agents and independent brokers are also involved in selling annuities. In case you buy the annuity through one of such distributors, they will normally serve as your point of contact for managing the annuity throughout its life.


Companies which sell annuities:

Federal government does not guarantee the annuities like your savings or the checking accounts at bank are via FDIC. Annuities are instead guaranteed by the insurance companies which issue them. This makes it necessary for you to consider the strength of the company from which you are buying the annuity. You can only lose out in case the company goes under, therefore it should be an important point of research. Below mentioned annuity providers receive high ratings from different ratings companies.


Allstate:

Allstate is one of the biggest insurance companies in the United States, and they have been in the business for more than 80 years. They are a public company and are based out of Illinois. Two types of annuities are sold by them


American Equity Investment Life Holding Company:

When it comes to annuities, primarily fixed rate products are sold by this company. The company exists in every state of the United States. They focus the business model on safe returns.


American national Insurance Company:

The Texas based insurance company has been operating since more than 100 years. A lot of annuities and insurance policies are sold by them through their agents, distribution channels and marketing companies.


Fidelity Insurance Network:

This company buys the annuities form other issuers and sells them to the investors who make large initial payments of minimum about $10,000.


Genworth Financial:

Genworth Financial was originally known as Life Insurance Company of Virginia. The company has been working for more than 140 years. A variety of annuities and other products like wealth management services and products, and insurance policies are sold by this company. Having a very long record of success, the company is considered to be quite stable.


ING:

This company is famous as an internet company and the official name of the company is International Netherlands Group. It is a very big company with gross revenue of $150 billion in 2012. Few primary options are offered by ING to its customers, these include indexed annuities and fixed immediate annuities.


John Hancock:

Having been in business since 1862, John Hancock is among the oldest companies. The company is now a part of the Manulife Financial. A huge variety of financial products like 401 (k) plans, annuities, mutual funds, and insurance are sold by the company. A buyer usually deals with a financial advisor while buying financial products form John Hancock, or any other independent firm which is a part of its network.


Lincoln Financial Group:

Lincoln Financial Group is based out of Philadelphia, Pennsylvania and deals in a huge variety of financial services. Life insurance, Retirement plans, variable-indexed annuities and fixed annuities are some of the products offered by the company.


MetLife:

This company is best known for insurance policies and also offers annuities. It has about 100 million customers. The company is based in the New York and operates in more than 60 countries. MetLife has been in business for about 150 years.


Midland National Life Insurance Company:

The company was previously named Dakota Mutual Life Insurance Company. It changed its name eventually. According to Standard and Poor’s ratings the company has a high rating of A+ and it services more than a million policies. So Midland National Life Insurance can be considered to be a reliable company.


Mutual of Omaha:

Immediate annuities and deferred annuities are sold by the Mutual of Omaha. The company celebrated its 100th anniversary in 2009.


New York Life:

New York Life is one of the biggest insurance companies in the world. The company is often recognized by its building which has the same name and is located in the New York City. The company enjoys highest ratings form all four top rating companies. This is a distinction which only three companies enjoy. This makes New York Life one of the best companies. The company has been operating since 1845. Mutual funds, Insurance, Annuities and other services are offered by New York Life insurance.


Prudential:

Prudential is based in Newark, New Jersey and it sells variable annuities. The company was founded in 1876. It is considered a stable provider of the annuities.