At Top Advisors Group we work with a majority of the major carriers to provide you with the annuity options that you need to meet your clients objectives. Whether it’s growth potential, guaranteed income, wealth transfer, or asset protection we can help you find the right annuity product for your client.

    • Multi Year Guarantee Annuities (MYGA)
    • Fixed Annuities (FA)
    • Equity Indexed Annuities (EIA)




Things to Know About Annuities:

When an annuity policy is issued the company sets the first year interest rate. This rate is guaranteed for the first policy year and we refer to it as the current rate. The base rate is that interest rate which the company projects it will pay in the second year and thereafter. This base rate is also referred to as the “renewal rate” is not guaranteed. In fact, some companies pay “renewal rates” which are less than the originally projected base rate.
Note that the difference between the current rate and the base rate is referred to as the bonus rate.
Surrender charges apply for a specific number of years.  We calculate the projected Account Value for the number of years the surrender charges exist.  For example; if the surrender charge of the policy lasts seven years, we calculated the projected Account Value for only seven years.
This is because once the surrender charge expires, the interest rate is dropped to the contractual guaranteed minimum and the policy values are usually transferred to another annuity. To continue projecting the accumulated value beyond this point has little meaning.
Most annuities allow you to withdraw interest from your annuity without penalty. Some annuities allow you to withdraw interest without paying a penalty at the end of the policy year or after 30 days, then as earned.
Most annuities allow you to withdraw up to 10% of the account value before a surrender charge or withdrawal charge is applied. You need to know how the Withdrawal or Surrender Charges apply before buying an annuity policy to save your client unnecessary expenses.


Annuity Carriers

    • Allianz
    • American Equity
    • American General Life Companies
    • American National
    • Athene Annuity
    • EquiTrust Life Insurance Company
    • Fidelity and Guaranty Life
    • Fidelity Security Life
    • Forethought Financial Group
    • Genworth Financial
    • Great American Financial Resources, Inc.
    • Guggenheim Life & Annuity
    • Lincoln Financial
    • Minnesota Life
    • National Life Group
    • National Western Life
    • North American Company
    • One America
    • Principal Financial Group
    • Royal Neighbors of America
    • Sagicor
    • Sentinel Security Life
    • State Life
    • Symetra
    • Voya
If you don’t see the company you’re looking for on this list then please call us at (507) 424-0468 and we’ll do our best to either get contracted with that company, or help you find a comparable product.

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