Verified CANNEX result · refresh pending

Which annuity pays the most income?

Compare the highest paying annuity paths for your premium, age, and income timing. We rank FIA income riders, income annuities, and fixed-annuity annuitization by monthly income estimates from source-dated CANNEX-backed data, with guarantee details shown for each option.

FIA rider income may use bonuses, roll-ups, and age-based payout factors, depending on the contract.

SPIA is used for income now; DIA is used for deferred income.

Winner is whichever priced path pays more. No forced outcome.

Highest monthly income estimate

Fixed index annuity income rider

Global Atlantic - Forethought Life Insurance Company · ForeIncome II · AM Best A · Income data via AdvisorWorld · starting at age 70

$4,258/mo

ranked strictly by monthly income

+$114/mo vs MYGA annuitized

CANNEX via AdvisorWorld · as of Jul 15, 2026

Rank 1

FIA rider

$4,258/mo

Global Atlantic - Forethought Life Insurance Company · ForeIncome II · AM Best A · Income data via AdvisorWorld

Rank 2

MYGA annuitized

$4,144/mo

Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B · Income data via AdvisorWorld

Rank 3

DIA

$3,230/mo

Integrity Life Insurance Company (W&S) · Integrity Deferred Income Annuity · AM Best NR · CANNEX via AdvisorWorld

Income decision lab

Ranked income paths for $250,000 starting at age 70

Monthly income estimates are ranked strictly by the current estimate for the same premium, age, start timing, life type, and state. If current data cannot price your exact inputs, that path stays visible as unavailable instead of being mixed into the ranking.

Highest income

Fixed index annuity income rider

Monthly income estimate

$4,258

/month

Global Atlantic - Forethought Life Insurance Company · ForeIncome II · AM Best A · Income data via AdvisorWorld

Liquidity: High control
Guarantee: Lifetime guaranteed
Fee or cost: ~1.20%/yr rider fee
Death benefit and control: Guaranteed withdrawals are generated by the rider while account-value mechanics remain subject to contract, surrender, and rider terms.
What you give up: Income is a withdrawal benefit rather than annuitization; rider fees, caps, and contract rules can affect accumulation value.

Priced path

MYGA annuitized income

Fixed annuity annuitization

Monthly income estimate

$4,144

/month

Atlantic Coast Life · Safe Harbor Bonus Guarantee · AM Best B · Income data via AdvisorWorld

Liquidity: No principal access
Guarantee: Guaranteed income under the annuitization terms shown
Fee or cost: No separate rider fee; premium is annuitized
Death benefit and control: The fixed-annuity benchmark annuitizes at the selected start age when product data is available.
What you give up: Once annuitized, principal access is generally surrendered; confirm product-specific annuitization support before use.

Priced path

Deferred income annuity (DIA)

Deferred income annuity

Monthly income estimate

$3,230

/month

Integrity Life Insurance Company (W&S) · Integrity Deferred Income Annuity · AM Best NR · CANNEX via AdvisorWorld

Liquidity: No principal access
Guarantee: Life-only guaranteed income based on source-dated CANNEX quote data
Fee or cost: No ongoing fees — income is fixed at purchase
Death benefit and control: Future income is guaranteed for the selected start age, but the premium is annuitized for that future income stream.
What you give up: Principal access is generally gone after annuitization; beneficiary value depends on the selected income option.

Tradeoff table

The highest paying annuity is only one part of the decision

SPIA and DIA income annuities can maximize simple income by annuitizing the premium. FIA income riders can rank higher in deferred scenarios while preserving account-value features, but rider fees and contract rules matter.

Income path	Monthly income estimate	Starts	Keep account value?	Death benefit	What it gives up
Fixed index annuity income rider	$4,258/mo	Age 70	Yes, subject to contract terms	Account value and death-benefit features can remain, subject to contract terms and rider rules.	Income is a withdrawal benefit rather than annuitization; rider fees, caps, and contract rules can affect accumulation value.
MYGA annuitized income	$4,144/mo	Age 70	No, annuitized	Beneficiary value depends on the annuitization option and current carrier and product rules.	Once annuitized, principal access is generally surrendered; confirm product-specific annuitization support before use.
Deferred income annuity (DIA)	$3,230/mo	Age 70	No, annuitized	Life-only income generally has no residual death benefit; certain-period or refund options can change the tradeoff.	Principal access is generally gone after annuitization; beneficiary value depends on the selected income option.

Scenario assumptions: $250,000 premium · age 60 · income starting at age 70 · single male · TX · life only. Figures are point-in-time estimates from source-dated CANNEX-backed quotes and income-rider rates. They are not binding carrier illustrations and must be confirmed with a licensed insurance professional before use.

Explore each product

Compare the paths behind the result

Fixed index annuity rates

Caps, participation rates, and income-rider mechanics.

Open hub

Immediate annuity quotes

Current SPIA quotes for income that starts soon.

Open hub

Deferred income annuity quotes

Future monthly income and QLAC planning context.

Open hub

Open the full income comparison lab

Highest-paying annuity FAQ

Which annuity pays the most income?

The highest paying annuity depends on the premium, age, state, income timing, and income option. This page ranks source-dated CANNEX-backed paths for the same inputs so the top slot goes to whichever product returns the highest monthly income estimate, with guarantee details shown for each option.

What is the highest paying annuity for income now?

For income starting now, a single premium immediate annuity can be the strongest simple monthly-income benchmark because the premium is annuitized right away. If current FIA income-rider results include income starting now for the same inputs, the page ranks that path alongside the SPIA instead of assuming one product wins.

What is the best annuity for retirement income later?

For deferred retirement income, an FIA income rider can rank highly because premium bonuses, income-base roll-ups, and age-based payout factors may compound during the deferral years. A deferred income annuity can also win in some scenarios. The source-dated comparison ranks both honestly.

Is the highest paying annuity always the best choice?

No. A higher monthly income estimate may require giving up principal access, liquidity, or beneficiary value. The tradeoff table shows whether the path annuitizes the premium, keeps account-value features, includes a death-benefit angle, and what the product gives up.

Are these current annuity income numbers?

Each result shows its source-backed as-of date. We refresh the default comparison from CANNEX-backed quotes and income-rider rates, and keep the last complete verified result available while a refresh is pending. Results are not binding carrier illustrations or advice; confirm with a licensed insurance professional before relying on any result.

Sources and data: income annuity quotes and FIA income-rider estimates come from source-dated CANNEX-backed data through AdvisorWorld using the same premium, age, start timing, state, and life type. The default comparison may keep the last complete verified result available while a refresh is pending. Income is guaranteed by the issuing carrier's claims-paying ability, not FDIC insured. Figures vary by state, premium, age, gender, income option, product availability, and quote date. Educational only - not advice, a binding quote, a tax opinion, or a carrier-approved illustration. Confirm with a licensed professional before relying on any result.