Investors seeking information on the top annuity companies are able to check online financial websites such as Barron's and Immediate Annuities, as of 2015. Barron's compiles a list of 50 top annuities based on factors such as investor age and amount invested, as noted by Barron's.
Barron's listing of top annuity companies takes into account trends in deferred-income annuities and less complicated annuity products, states Barron's. Its variable annuity choices tend to be lower-cost products, and fixed annuities making its list provide investors with either high guaranteed income or high interest rates.
Immediate Annuities calculates highest cap rates, income riders and premium bonus rates when compiling its list of the best annuity companies, as featured on its website. It also tracks surrender fee periods and A.M. Best ratings.
It is important for investors to understand differences between fixed and variable annuity products, suggests Immediate Annuities. Fixed annuities have rate floor caps, which are adjusted by insurance companies, and produce annual returns in the 3 to 7 percent range. Variable annuities are riskier, because management of accounts are unpredictable. While variable annuities offer investors more control and a tax-deferred way to engage in the stock market, fixed annuities operate similar to a benefit pension, and investors receive regular payments as stipulated by the plan, according to U.S. News and World Report.