Annuity contracting for producers, agencies and advisors
Our Job Is to Beat Your Current Annuity Commission
Starting comp is for every producer — no experience required and no production minimum. Strong producers, agencies, financial advisors, financial firms and healthcare agencies can earn much higher — and our job is to beat your current annuity commission, carrier by carrier.
Submit your application, schedule a Zoom, and we review your current commission levels for each carrier and contract you above them. BetterAnnuityComp.com is exclusive to annuity commissions and powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization on a mission to give annuity producers the true commission they deserve, with full back office support, case management, swift onboarding, carrier contracting and sales tools included.
Why Producers Choose Us
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, carrier by carrier.
Our mission is to give annuity producers the true commission they deserve.
Full back office support, case management and sales tools behind every case.
The annuity carrier lineup
68 annuity carriers and 345 products. Published starting comp is for every producer, with no experience requirement and no production minimum; strong producers are contracted higher, and our job is to beat your current commission on every carrier. See the full annuity carrier list.
What is BetterAnnuityComp.com? An annuity contracting platform exclusive to annuity commissions, powered by BetterLifeQuotes.com, an NGA/IMO Hybrid Distribution Organization. Its sole job is to beat your current annuity commission: no matter your current commission level, if you meet its minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp on its 68 carriers and 345 fixed indexed, MYGA, immediate, deferred income and care-focused annuity products is for every producer, with no experience requirement and no production minimum. Strong producers, established agencies, financial advisors and financial firms, and healthcare agencies can earn much higher commission: submit an application, schedule a Zoom, and BetterAnnuityComp.com reviews your current commission levels carrier by carrier and contracts you above them, with full case management and back office support. See who we are and how we work.
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.
See your new levels before you move anything
On a private Zoom review we compare your current level carrier by carrier and product by product, then contract you above it. Enter a current level here to see how our starting comp compares.
Starting comp shown is for every producer, with no production minimum. Your final schedule is set in your contracting paperwork.
Enter your current level to compare.
Enter your current level to compare.
Enter your current level to compare.
Enter your current level to compare.
Who BetterAnnuityComp.com is for
Annuity producers
Our job is to beat your current commission on the business you already write. Solo producers have no minimum requirements: new producers with no experience start at our starting comp, and there is no production minimum. Apply as a solo producer.
Agencies
Your agency automatically gets higher commission than its current levels. Keep your agents and book, earn overrides on your downline, run LOA or direct-to-carrier, and get contracting for your team. Agency application.
Financial advisors and firms
RIAs, IARs, financial firms and insurance-licensed advisors get Roth conversion, RMD, 72(t) and Social Security planning tools with every contract. Advisor application.
Healthcare agencies
Medicare and health agencies add annuities to the clients they already serve — and are exempt from the producer requirements. Healthcare agency application.
What's included
Our job: beat your current commission
We review your current commission levels carrier by carrier and contract you above them. Published starting comp on every product is for every producer, with no experience requirement and no production minimum; strong producers are contracted higher.
Case management
Pre-submission review, best-interest paperwork review, 1035 and transfer tracking, and carrier follow-up through issue.
Back office support
Commission, appointment, license, AML and training tracking, plus carrier communication.
Swift onboarding and contracting
One streamlined contracting process across 68 annuity carriers.
Sales tools
Real-time annuity rate tracking, SPIA comparison software, and 72(t), Social Security, RMD and stretch IRA calculators.
Marketing and sales systems
Retirement-income sales system, Roth conversion software, Social Security seminars, direct mail, web, online advertising and done-for-you client campaigns.
See everything in case management, back office and sales tools. Some marketing and practice-building programs are delivered by independent partners and may carry their own fees.
Starting comp at a glanceStarting comp on leading annuity carriers
Published starting comp for every producer, with no production minimum. Strong producers are contracted higher. Grid verified October 2026.
| Carrier | Product | Where the top rate applies | Starting comp |
|---|---|---|---|
| Mountain Life | Skyline Peak Choice | 10 Yr · Ages 0-80 | 10% |
| National Western | Ultra Classic | Non-qualified & Roth IRA > $25K · Ages 0-75 | 9% |
| F&G | Accelerator Plus | 14 Yr · Ages 0-75 | 8.5% |
| SILAC | Denali and Denali Bonus | 14 Yr · Ages 0-75 | 8.5% |
| Athene | Performance Elite | 15 Yr · Ages 0-70 | 8% |
| Nationwide | CareMatters Annuity | Ages 40-75 | 7.5% |
| Allianz Preferred (Allianz Life) | 222+, 360 & Benefit Control+ (10 Yr) | Option A · Ages 0-75 | 7.25% |
| American Equity | IncomeShield | 10 Yr · Option U · Ages 18-75 | 7% |
| North American | Income Pay Pro, Benefit Solutions, Control X and Versa Choice (10 Yr) | Option A · Ages 0-75 | 7% |
| Corebridge Financial | Power 10 Protector | Option 1 · Ages 18-75 | 7% |
| Global Atlantic | ForeAccumulation II | 10 Yr · Option A · Ages 0-80 | 7% |
| Lincoln Financial | OptiBlend 10 | Schedule A · Ages 0-75 | 7% |
| Carrier | Product | Where the top rate applies | Starting comp |
|---|---|---|---|
| Mountain Life | Skyline Peak Choice | 10 Yr · Ages 0-80 | 10% |
| National Western | Ultra Classic | Non-qualified & Roth IRA > $25K · Ages 0-75 | 9% |
| American National | Rate Constant Annuity | 20 Yr · Ages 0-50 | 9% |
| EquiTrust | Bridge (with a long-term care rider) | Option A · Ages 55-75 · Yr 1 | 9% |
| F&G | Accelerator Plus | 14 Yr · Ages 0-75 | 8.5% |
| Prosperity Life Group (S.USA) | PathWay and PathWay Max | 14 Yr · Option A · Ages 0-75 | 8.5% |
| SILAC | Denali, Evolve and Teton (and their Bonus versions) | 14 Yr · Ages 0-75 | 8.5% |
| Carrier | Product | Where the top 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% |
| Carrier | Product | Where the top 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% |
| Carrier | Product | Where the top 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% |
| Carrier | Product | Where the top 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% |
| Carrier | Product | Where the top 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% |
Each rate is starting comp for every producer, with no experience requirement and no production minimum; strong producers are contracted higher, and our job is to beat your current commission. See all 68 carriers and 345 products.
Annuity products you can write
- Fixed indexed annuities (FIA)
- Multi-year guaranteed annuities (MYGA)
- Single premium immediate annuities (SPIA)
- Deferred income annuities (DIA) and QLACs
- Income rider annuities
- Care and long-term-care annuities
How it works
- Apply with the application for your type: solo producer, agency, financial advisor or financial firm, or healthcare agency.
- Schedule a Zoom so we can review your current commission levels carrier by carrier and contract you above them.
- Get contracted with the carriers you choose through one streamlined process.
- Write business at a higher commission than you earn today, with case management and back office support behind every case.
- Scale with sales tools, marketing systems and higher contract levels as your production grows.
Why it matters now
Americans bought a record $464.1 billion of annuities in 2025, including a record $127.9 billion of fixed indexed annuities, according to LIMRA. Sales stayed above $100 billion for the 11th straight quarter in Q2 2026. More premium is moving through annuities than ever, so the comp level you are contracted at matters more than ever. If you already write annuities, let us beat your current commission.
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.
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.
Is BetterAnnuityComp.com an agency?
No. 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.
What does "starting comp" mean?
Starting comp is the commission for every producer, with no experience requirement and no production minimum, shown for every product by term, option and issue age. If you have strong production to show, or you run an agency, we contract you above it, and our job is to beat your current commission.
Who can apply?
Solo annuity producers at any experience level, including new producers with no experience, established agencies, financial advisors and healthcare agencies. Solo producers and healthcare agencies have no minimum requirements.
What support is included?
Case management, back office support, swift onboarding, carrier contracting, real-time annuity rate tracking, SPIA comparison software, retirement calculators and access to marketing and sales systems.
How many annuity carriers are available?
68 annuity carriers and 345 annuity products, from fixed indexed annuities and MYGAs to immediate, deferred income, income-rider and care-focused annuities.
Sources
- LIMRA — Final U.S. retail annuity sales total $464.1 billion in 2025
- LIMRA — U.S. annuity sales reach $121.2 billion in Q2 2026
Our job is to beat your current annuity commission. Apply, schedule a Zoom, and we compare your current commission levels carrier by carrier.
BetterAnnuityComp.com is powered by BetterLifeQuotes.com.
Ready for us to beat your current annuity commission?
Starting comp needs no experience and no production minimum. Strong producers are contracted higher, and our job is to beat your current commission, carrier by carrier.
Apply in a few minutes, then schedule a Zoom to review your current commission levels with us.