About BetterAnnuityComp.com: Who We Are and How We Work
Updated October 2026
Short answer: BetterAnnuityComp.com is exclusive to annuity commissions and is powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization. Its sole job is to beat your current annuity commission, carrier by carrier, so you can scale your business. We contract independent annuity producers, agencies, financial advisors and financial firms, and healthcare agencies with 68 annuity carriers and 345 annuity products.
Our job is to beat your current annuity commission.
Stuck at your current commission level, or simply want higher commission? Our sole purpose is to scale your business by beating your current commission levels. No matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience — there is no production minimum. If you have strong production to show, we contract you above our starting comp. Established agencies, financial advisors and financial firms, and healthcare agencies can earn much higher too. Submit your application, schedule a Zoom, and we review your current commission levels carrier by carrier and contract you above them — with full back office support, case management, carrier contracting and sales tools included.
What BetterAnnuityComp.com does
BetterAnnuityComp.com is exclusive to annuity commissions. We do annuity contracting for licensed insurance professionals: we show starting comp by carrier and product, review your current commission levels carrier by carrier on a Zoom call, and contract you above them. Contracting comes with the support that gets business issued. BetterAnnuityComp.com isn't a consumer insurance marketplace and doesn't offer annuities or insurance to the public.
Starting comp on 68 carriers
Starting comp on 68 annuity carriers and 345 annuity products, for every producer, with no experience requirement and no production minimum. Strong producers are contracted higher. Check it on the annuity carrier list.
Case management
Pre-submission review to prevent NIGO, best-interest paperwork review, 1035 exchange and transfer tracking, and carrier follow-up through issue.
Back office support
Commission questions and tracking, appointment and license tracking, AML and training-certificate tracking, and carrier communication.
Swift onboarding and contracting
One streamlined contracting process across carriers, with appointments requested in the states where you are licensed.
Sales tools
Real-time annuity rate tracking across carriers, SPIA comparison and quoting software, and retirement calculators for 72(t), Social Security, RMD and stretch IRA planning.
Marketing and sales systems
A retirement-income sales system, practice-building programs, full-service marketing and done-for-you client communications. Some marketing and practice-building programs are delivered by independent partners and may carry their own fees.
Every service is described on the annuity case management and support page, and the products we contract are on the annuity products page.
Who BetterAnnuityComp.com works with
- Solo annuity producers. No minimum requirements: new producers with no experience start at our starting comp, and there is no production minimum. If you have strong production to show, we contract you above it. Apply as a solo producer.
- Established agencies. Keep your agents and book, earn overrides on your own downline production, and get contracting and onboarding support for your team. Apply as an agency.
- Financial advisors and financial firms. RIAs, IARs, hybrid advisors and insurance-licensed planners adding annuities to their retirement-income work. Contracting for financial advisors.
- Healthcare agencies. Healthcare and Medicare agencies and their licensed agents adding annuities. Healthcare agencies have no minimum requirements, just like solo producers. Annuities for healthcare agencies.
How we work: apply, Zoom, carrier-by-carrier review
- Apply. Submit the application for your path: solo producer, agency, financial advisor or healthcare agency.
- Schedule a Zoom. We reach out to set up the call.
- Compare carrier by carrier. Share your current commission levels by carrier, and we compare them carrier by carrier and contract you above them.
- Get contracted. One streamlined contracting process across carriers, appointments requested in the states where you are licensed, and case management and back office support from your first case.
The full walkthrough is on how we beat your current annuity commission.
How BetterAnnuityComp.com is structured
BetterAnnuityComp.com is powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization. BetterLifeQuotes.com is exclusive to life insurance commissions and BetterAnnuityComp.com is exclusive to annuity commissions, and both have the same sole job: beat your current commission levels. Direct-to-carrier IMO contracts are the source of top-of-market compensation, and strategic NGA partnerships provide plug-and-play access to a large annuity carrier portfolio. That's how one relationship covers 68 annuity carriers and 345 annuity products through one streamlined contracting process. For how the two models differ, see IMO vs FMO vs NGA.
Agencies are vested from day one and own their book, trails, renewals and hierarchy. Immediate releases are granted as long as there is no outstanding debt to the carrier.
Our mission
Stuck at your current commission level, or simply want higher commission? You're who we built this for, whether you're a solo agent, an established agency or a healthcare agency. Our sole purpose is to scale your business by beating your current commission levels, and our mission is to give annuity producers the true commission they deserve. That's why the first conversation is about your current commission levels, carrier by carrier, and why producers with strong production to show are contracted above our starting comp.
How we publish comp and guides
- Comp figures come from carrier schedules. Starting comp on this site reflects carrier commission schedules on the BetterAnnuityComp.com grid as of the date shown, by carrier, product, term and issue age. Carriers change their schedules, so we confirm current levels during your carrier-by-carrier review, and your compensation is governed by your executed contracting documents and the carrier agreements.
- Market data and rules name their source. Sales figures and regulatory facts in our guides cite their source and date, for example LIMRA, the NAIC, the IRS and the Social Security Administration.
- Written for licensed professionals. Our guides are general information for licensed insurance professionals, not tax, legal or investment advice.
Our annuity resources cover commissions, products, rules and practice management, and the annuity commission FAQ answers the most common contracting questions.
Frequently asked questions
What is BetterAnnuityComp.com?
BetterAnnuityComp.com is exclusive to annuity commissions and powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization. It contracts independent annuity producers, agencies, financial advisors and financial firms, and healthcare agencies with 68 annuity carriers and 345 annuity products, and its sole job is to beat your current annuity commission, carrier by carrier.
Is BetterAnnuityComp.com an IMO?
Yes. BetterAnnuityComp.com is powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization. Direct-to-carrier IMO contracts are the source of top-of-market compensation, and strategic NGA partnerships provide plug-and-play access to a large annuity carrier portfolio, so one relationship covers 68 carriers and 345 products through one streamlined contracting process.
Does BetterAnnuityComp.com sell annuities to consumers?
No. BetterAnnuityComp.com works with licensed insurance professionals: independent producers, agencies, financial advisors and financial firms, and healthcare agencies. It isn't a consumer insurance marketplace and doesn't offer annuities or insurance to the public.
How is BetterAnnuityComp.com different from BetterLifeQuotes.com?
BetterAnnuityComp.com is exclusive to annuity commissions. BetterLifeQuotes.com, the NGA/IMO Hybrid Distribution Organization that powers it, is exclusive to life insurance commissions. Both have the same sole job: beat your current commission levels so you can scale your business.
Can BetterAnnuityComp.com beat my current annuity commission?
That is our sole job: no matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience, and there is no production minimum. If you have strong production to show, we contract you above our starting comp, and established agencies, financial advisors and financial firms, and healthcare agencies can earn above it too. Submit your application, schedule a Zoom and share your current commission levels by carrier. We compare them carrier by carrier and contract you above them, with full back office support, case management, carrier contracting and sales tools included.
Is there a production minimum for starting comp?
No. Starting comp has no experience requirement and no minimum production, so new producers with no experience start at it too. If you have strong production to show, we contract you above our starting comp — and our job is to beat your current commission.
Who can apply to BetterAnnuityComp.com?
Solo annuity producers at any experience level, including new producers with no experience, established agencies, financial advisors and financial firms, and healthcare agencies. Each path has its own application, solo producers and healthcare agencies have no minimum requirements, and applications are direct only, with no recruiters or referral services.
How do I get in touch with BetterAnnuityComp.com?
Submit the application for your path: solo producer, agency, financial advisor or healthcare agency. We reach out to schedule a Zoom, then review your current commission levels carrier by carrier.
Want your current commission reviewed carrier by carrier? BetterAnnuityComp.com works to beat your current annuity commission — starting comp has no experience requirement and no production minimum, and strong producers are contracted higher — with case management, back office support and swift onboarding included.