Offers a variety of variable, fixed, and income annuities with low costs and no surrender charges on certain products.

Your local bank likely has a partnership with one or more insurance carriers to sell annuities to their customers.

Captive agents can only sell products from their own company, meaning they won't show you potentially better rates from a competitor. 2. Independent Brokers and Financial Advisors

Known for a simplified, jargon-free online experience and low-risk fixed annuities.

Tech-savvy DIYers who want to avoid sales pressure and high commissions. Key Platforms:

A newer way to buy, these platforms allow you to research, compare, and sometimes purchase annuities entirely online.

Operates as an annuity marketplace and issues its own variable annuities.

Buyers who have a specific carrier in mind and want a specialist who knows that company’s products inside and out.