Annuities Explained: Complete 2026 Guide (Fixed, Indexed, Variable & More)

Use this directory to compare annuity concepts, contract features, and planning considerations. Choose the guide that most closely matches your situation, then compare recommendations with your budget and coverage goals.

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General educational information cannot account for every insurer’s underwriting rules. A personalized comparison can help you evaluate available coverage, pricing, and policy features.

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Insurance By Heroes is the trade name of Joshua Wahls, a licensed independent insurance producer. Insurance By Heroes is not an insurance company, insurer, or underwriter, and does not issue, guarantee, or pay claims on any insurance policy.

National Producer Number (NPN): 19191959 · Resident state: Maryland, License #3000565052 · California License #4381848 · Principal place of business: 4301 Mountain Road #35, Pasadena, MD 21123. Licensed to sell life insurance in 49 states and Washington, D.C. Not licensed in New York; this website is not directed at residents of New York. A complete list of states and license numbers is available upon request.

Insurance By Heroes is an independent insurance agency and is not affiliated with, endorsed by, or sponsored by any government agency. This website is for general informational and educational purposes only and is not insurance, financial, tax, or legal advice. Products, features, riders, rates, and availability vary by state, insurer, and applicant, and are subject to underwriting. Quotes and estimates are illustrations only, are not an offer of coverage, and do not bind coverage. Guarantees are subject to the claims-paying ability of the issuing insurer.