Captive agents can only sell products from their own company, meaning they won't show you potentially better rates from a competitor. 2. Independent Brokers and Financial Advisors

Operates as an annuity marketplace and issues its own variable annuities.

Investors who want to compare multiple quotes and ensure the product fits into their broader retirement plan.

Offers a variety of variable, fixed, and income annuities with low costs and no surrender charges on certain products.

These companies offer "no-load" (commission-free) contracts issued by third-party insurers. 5. Online Annuity Marketplaces

Convenience and those who prefer to keep all their financial products under one roof.