Annuity Products and Starting Comp by Product Type
Updated October 2026 · 6 annuity product types · 68 carriers
Short answer: BetterAnnuityComp.com contracts producers on six types of annuity products — fixed indexed, MYGA, immediate, deferred income, income rider and care-focused — across 68 carriers and 345 products. Every product has published starting comp for every producer (no experience requirement and no production minimum) — strong producers are contracted higher, and our job is to beat your current commission — with case management and back office support on every case.
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.
Fixed indexed annuities (FIA)
Principal protection with index-linked crediting; the core accumulation product for most producers. Comp is highest on 10-year and longer surrender schedules. Read the fixed indexed annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| Mountain Life | Skyline Peak Choice | 10 Yr · Age 0-80 | 10% |
| National Western | Ultra Classic | Non-qualified & Roth IRA > $25K · Age 0-75 | 9% |
| American National | Rate Constant Annuity | 20 Yr · Age 0-50 | 9% |
| F&G | Accelerator Plus | 14 Yr · Age 0-75 | 8.5% |
| Prosperity Life Group (S.USA) | PathWay and PathWay Max | 14 Yr · Option A · Age 0-75 | 8.5% |
| SILAC | Denali, Evolve and Teton (and their Bonus versions) | 14 Yr · Age 0-75 | 8.5% |
Multi-year guaranteed annuities (MYGA)
A fixed rate guaranteed for a set term, often compared with CDs. Starting comp scales with the guarantee period and steps down at older issue ages. Read the multi-year guaranteed annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| Gulf Guaranty / American Gulf | American Gulf Anchor MYGA | 7 Yr · Age 0-75 | 5.5% |
| Mountain Life | Secure Summit MYGA | 9 Yr · Age 0-80 | 5% |
| Axonic | Waypoint MYGA | 10 Yr (Age 0-89) | 4% |
| Assurity | SecurePath MYGA | 10 Yr · Age 0-80 | 3.25% |
| American National | Palladium MYG and MYG Max | 10 Yr · Age 0-80 | 3% |
Single premium immediate annuities (SPIA)
A lump sum turned into guaranteed income that starts within a year. Comp varies by payout type and period certain. Read the single premium immediate annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| Mutual of Omaha | Income Access SPIA | 1st Yr | 5% |
| Integrity Life | Income Source SPIA | Age 18-95 · 10+ Yr Period Certain | 3.75% |
| Royal Neighbors of America | SPIA | Premium $10K-$100K · Age 16-98 | 3.75% |
| Assurity | SPIA | Yr 1 | 3.25% |
| Mutual of Omaha | Ultra Income SPIA | Guaranteed Period Only · 15+ Yr | 3.25% |
Deferred income annuities (DIA) and QLACs
Income that starts at a future date, including QLACs inside IRAs (2026 limit: $210,000). Read the deferred income annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| Integrity Life | IncomeSource Select DIA | Age 18-83 | 4.5% |
| Corebridge Financial (American General) | American Pathway Deferred Income Annuity | Ages 18-90 · Life Payout Options | 4% |
| Lincoln Financial | Deferred Income Solutions Annuity | Schedule A · Age 0-75 | 4% |
| Mutual of Omaha | Deferred Income Protector | 1st Yr | 4% |
Income rider annuities
FIAs built around a guaranteed lifetime withdrawal benefit: roll-ups, payout factors and joint or single income. Read the income rider annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| Nassau | Income Accelerator | Option A · Age 0-75 | 7.35% |
| American Equity | IncomeShield | 10 Yr · Option U · Age 18-75 | 7% |
| Aspida | Synergy Choice Income (10 Yr) | Upfront Option · Age 40-75 | 7% |
| Corebridge Financial (American General) | Power 10 Protector Plus Income | Age 50-75 · Option 1 | 7% |
| EquiTrust | MarketEarly Income Index | Age 45-75 · Yr 1 | 7% |
Care and long-term-care annuities
Asset-based long-term care and care-focused annuities that pair income or accumulation with care benefits. Read the care and long-term-care annuities guide.
| Carrier | Product | Where the top starting rate applies | Starting comp |
|---|---|---|---|
| EquiTrust | Bridge | Option A · Age 55-75 · Yr 1 | 9% |
| Nationwide | CareMatters Annuity | Age 40-75 | 7.5% |
| Global Atlantic | ForeCare | Age 50-75 | 7% |
| OneAmerica | Annuity Care II | Age 40-80 | 6.5% |
| OneAmerica | Indexed Annuity Care | Age 40-75 | 6% |
| OneAmerica | Annuity Care | Age 50-75 | 4.75% |
The tables above show the highest starting comp for a handful of products in each category. Every carrier, product, term, commission option and issue age is on the annuity carrier list. See how annuity commissions work for heaped vs. trail options and age bands.
What comes with every contract
- Case management: pre-submission review, best-interest paperwork review, 1035 exchange and transfer tracking, and carrier follow-up through issue.
- Back office support: commission, appointment, license, AML and training-certificate tracking.
- Swift onboarding and carrier contracting: one streamlined process across carriers.
- Sales tools: real-time annuity rate tracking, SPIA comparison software, and 72(t), Social Security, RMD and stretch IRA calculators.
Details: case management, back office and sales tools.
Annuity products: frequently asked questions
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.
Which annuity types can I write through BetterAnnuityComp.com?
Fixed indexed annuities, MYGAs and other fixed-rate annuities, single premium immediate annuities, deferred income annuities and QLACs, income rider annuities, and care-focused or long-term-care annuities, across 68 carriers and 345 products.
Which annuity type pays the highest starting comp?
The highest starting comp on the grid is 10%, on Mountain Life Skyline Peak Choice (10-year, issue ages 0-80). In general, fixed indexed annuities with longer surrender schedules carry the highest starting comp, while MYGAs and SPIAs usually start lower.
Starting comp reflects carrier schedules on the BetterAnnuityComp.com grid as of October 2026 and can vary by state, product version, premium and issue age. Final compensation is confirmed in your contracting paperwork. Product names are trademarks of their respective carriers.
Write the annuities you already sell at higher comp.