Our Insurance Carrier Partners · A-Rated & B++ Rated
Annuity Carriers
We Partner With
Annuital works exclusively with financially strong, AM Best-rated insurance companies. Every annuity product on our platform is issued by a carrier that has been reviewed for financial stability, product quality, and fair consumer practices.
We partner with Nationwide Life and Annuity (A+), Nassau Life and Annuity (B++), Oceanview Life and Annuity (A), and F&G / Fidelity & Guaranty Life (A-).
Our Carrier Partners at a Glance
All three carriers are rated by AM Best, the insurance industry's independent financial strength rating agency.
Nassau Life and Annuity Company
Competitive MYGAs with flexible liquidity options
Oceanview Life and Annuity Company
A-rated carrier with short-term MYGA options
Nationwide Life and Annuity Insurance Company
A+ Superior rated — one of America's largest and most trusted insurers
Fidelity & Guaranty Life (F&G)
Publicly traded, A-rated carrier with over 60 years of history
Fixed & Multi-Year Guaranteed Annuities
Nassau Life and Annuity Company
Hartford, CT · Est. 1851 · Nassau Financial Group
B++
AM Best
Good
Financial Strength
Nassau Life and Annuity Company is a Hartford, Connecticut-based insurance carrier with roots dating back to 1851. Nassau offers competitive multi-year guaranteed annuities (MYGAs) with industry-leading flexibility features, including 10% annual penalty-free withdrawals, nursing home waivers, and terminal illness waivers. Nassau is part of Nassau Financial Group and is a popular choice among retirees seeking guaranteed growth with built-in access to funds.
Products Available on Annuital
Key Features & Highlights
State Availability
Frequently Asked Questions — Nassau
Is Nassau Life and Annuity a reputable company?
Yes. Nassau Life and Annuity Company holds an AM Best rating of B++ (Good) and is backed by Nassau Financial Group, which manages billions in assets. With roots going back to 1851, Nassau has a long history in the U.S. life and annuity market.
What are Nassau's current annuity rates?
Nassau's MYAnnuity products currently offer rates up to 5.30% APY on 7-year terms and 5.25% on 5-year terms. Rates with the optional 10% free withdrawal feature are slightly lower (5.05%–5.10%). Rates are guaranteed for the full contract term.
Can I withdraw money from a Nassau annuity?
Yes — Nassau's MYAnnuity products with the '10% Free Withdrawal' feature allow you to withdraw up to 10% of your account value each year without penalty, beginning in year 1. In addition, nursing home and terminal illness waivers provide full access to your funds in qualifying circumstances.
Multi-Year Guaranteed Annuities
Oceanview Life and Annuity Company
Scottsdale, AZ · Est. 1994 · Oceanview Financial Holdings
A
AM Best
Excellent
Financial Strength
Oceanview Life and Annuity Company is a Scottsdale, Arizona-based insurer rated A (Excellent) by AM Best — among the highest ratings available in the annuity market. Oceanview specializes in multi-year guaranteed annuities and is known for short-term products like their Harbourview 3 (3-year MYGA) that appeal to retirees who want guaranteed rates without a long surrender period. Oceanview products are RMD-friendly, making them popular with IRA holders subject to Required Minimum Distributions.
Products Available on Annuital
Key Features & Highlights
State Availability
Frequently Asked Questions — Oceanview
What is Oceanview Life and Annuity's AM Best rating?
Oceanview Life and Annuity Company is rated A (Excellent) by AM Best, which is among the highest financial strength ratings available. This reflects Oceanview's strong balance sheet and ability to meet ongoing insurance obligations.
What is the Oceanview Harbourview 3 annuity?
The Harbourview 3 is a 3-year multi-year guaranteed annuity (MYGA) from Oceanview. It offers guaranteed rates up to 5.05% APY for premiums of $70,000 or more (4.70% for $20,000–$69,999), a 10% penalty-free withdrawal after year 1, and is specifically designed to be RMD-friendly for IRA annuity holders.
Is Oceanview good for IRA rollovers?
Yes — Oceanview's Harbourview annuity is specifically designed to be RMD-friendly, allowing required minimum distributions without triggering surrender charges. This makes it a strong option for retirees rolling over IRAs or 401(k)s who must take annual RMDs.
Fixed & Multi-Year Guaranteed Annuities
Nationwide Life and Annuity Insurance Company
Columbus, OH · Est. 1926 · Nationwide Mutual Insurance Company
A+
AM Best
Superior
Financial Strength
Nationwide Life and Annuity Insurance Company is a subsidiary of Nationwide Mutual Insurance Company, one of the largest insurance and financial services companies in the United States. Rated A+ (Superior) by AM Best — the highest tier available — Nationwide brings nearly 100 years of financial strength and stability to its annuity products. Nationwide's Secure Growth 3 is a 3-year multi-year guaranteed annuity designed to provide savers with a short-term, high-rate, principal-protected savings alternative with up to 10% annual penalty-free withdrawals.
Products Available on Annuital
Key Features & Highlights
State Availability
Frequently Asked Questions — Nationwide
What is Nationwide's AM Best rating?
Nationwide Life and Annuity Insurance Company holds an AM Best rating of A+ (Superior) — the highest financial strength rating AM Best awards. This reflects Nationwide's exceptional ability to meet its ongoing insurance obligations and its position as one of the most financially sound insurers in the country.
What is the Nationwide Secure Growth 3 annuity?
The Secure Growth 3 is a 3-year multi-year guaranteed annuity (MYGA) from Nationwide. It locks in a guaranteed interest rate for 3 years with 100% principal protection, up to 10% annual penalty-free withdrawals, and tax-deferred growth. It's available in two premium bands: $10,000–$99,999 and $100,000–$1,000,000.
Can I withdraw from a Nationwide Secure Growth 3 annuity?
Yes. The Nationwide Secure Growth 3 allows penalty-free withdrawals of up to 10% of your account value per year. Withdrawals above 10% during the 3-year surrender period are subject to surrender charges.
Fixed Annuities, Fixed Indexed Annuities
Fidelity & Guaranty Life (F&G)
Des Moines, IA · Est. 1959 · FGL Holdings / Brookfield Asset Management
A-
AM Best
Excellent
Financial Strength
Fidelity & Guaranty Life (F&G) is a Des Moines, Iowa-based publicly traded insurance holding company (NYSE: FG) with over 60 years of experience in the annuity market. F&G is rated A- (Excellent) by AM Best and is backed by Brookfield Asset Management, one of the world's largest alternative asset managers. F&G specializes in fixed and fixed indexed annuities and is one of the largest annuity providers in the United States, serving over 700,000 policyholders. Their Platinum 5 MYGA offers competitive rates with nursing home waiver protections.
Products Available on Annuital
Key Features & Highlights
State Availability
Frequently Asked Questions — F&G
Is F&G (Fidelity & Guaranty Life) a safe annuity company?
Yes. F&G is rated A- (Excellent) by AM Best and is publicly traded on the NYSE. It is backed by Brookfield Asset Management, one of the world's largest alternative investment firms with over $900 billion in assets under management. F&G has over 60 years in the market and 700,000+ policyholders.
What is the F&G Platinum 5 annuity?
The F&G Platinum 5 is a 5-year multi-year guaranteed annuity (MYGA) offering 4.90% APY with a guaranteed fixed rate for the full 5-year term. It includes a nursing home waiver, flexible premium options, and a guaranteed death benefit. The minimum premium is $20,000.
What is F&G's parent company?
F&G (Fidelity & Guaranty Life) is a publicly traded company (NYSE: FG) backed by Brookfield Asset Management, which owns a majority stake. Brookfield is one of the world's largest alternative asset managers, providing F&G with exceptional financial strength and stability.
Understanding AM Best Ratings
AM Best is the world's oldest and most authoritative insurance rating agency. Their financial strength ratings tell you how likely a carrier is to pay claims.
A+ / A++
Superior
Highest possible — exceptional financial strength
A / A-
Excellent
Strong financial position — used by F&G and Oceanview
B++
Good
Solid financial position — used by Nassau
B+
Good
Adequate financial position — still considered safe
All carriers on Annuital are rated B++ or better by AM Best. Annuities are not FDIC insured but are backed by state guaranty associations (typically up to $250,000 per carrier per state).
How Annuital Selects Carrier Partners
We do not work with every carrier — we vet every partner we add to the platform.
AM Best Rating
We only partner with carriers rated B++ or better by AM Best. Lower-rated carriers are not accepted.
Product Quality
Products must offer genuinely competitive rates and consumer-friendly features like free withdrawals and hardship waivers.
State Licensing
Carriers must be properly licensed in every state where we offer their products. We verify state-level approvals.
Claims-Paying History
We evaluate the carrier's history of paying claims and consumer complaint ratios reported to state regulators.
Financial Stability
We review capital levels, reinsurance arrangements, and investment portfolio quality for long-term security.
Consumer Transparency
Carriers must provide clear, accurate product disclosures. We do not work with carriers that use misleading marketing.
Ready to Compare Rates?
Shop products from Nationwide, Nassau, Oceanview, and F&G side by side. See current rates, surrender schedules, and features — all in one place.