Which Company Has The Best Annuities? 
The annuity offerings change all the time . The best today maybe not be the best tomorrow . Annuities are categorized into basically three crediting methods : interest rate crediting , indice crediting and separate sub account crediting . Interest rates are generated by the companys predominately government bond portfolio . Sentinel is a very good fixed interest rate annuity company . Most indexed annuities invest their interest rate returns in domestic and foreign index options . Some indexed annuities that credit zero in a given year , still charge policy expenses and which could result in a loss . Genworth is a very good index annuity company . Variable annuities use equity and bond instruments in their separate sub accounts selected by the variable annuity owner . These separate sub account allocations are subject to market risk , i.e. you can lose money . Prudential is a very good variable annuity company . 