Buying directly from the source is a common starting point. Many insurance giants allow you to purchase products through their own "captive" agents—professionals who work exclusively for that company.
They can shop around to find the highest payout rates or the best riders (extra features) across dozens of carriers. Fiduciary advisors are also legally required to put your best interests first.
Independent brokers and "fee-only" fiduciary advisors represent multiple insurance companies rather than just one. where to buy annuities
Investors who want to compare multiple quotes and ensure the product fits into their broader retirement plan.
Banks typically have a much more limited selection of products than an independent broker. 4. Brokerage Firms and Mutual Fund Companies Buying directly from the source is a common starting point
A newer way to buy, these platforms allow you to research, compare, and sometimes purchase annuities entirely online.
Self-directed investors who already use these platforms for their stocks and IRAs. Marketplace Examples: Fiduciary advisors are also legally required to put
Known for a simplified, jargon-free online experience and low-risk fixed annuities.