Independent brokers and "fee-only" fiduciary advisors represent multiple insurance companies rather than just one.
A platform designed for speed, allowing users to complete the process without an agent.
Some brokers work on commission, which could influence their recommendations. 3. Banks and Credit Unions
Top-rated companies include New York Life (rated A++ for financial strength) and Allianz Life (a leader in fixed index annuities). MassMutual and Nationwide also offer robust direct options.