Who Has The Best Annuities? 
There are three basic crediting methods used by non-qualified tax deferred annuities . The first is fixed interest rate crediting methods of 5 , 7 and 10 year guaranteed rates . Sentinel has a leading 5 year fixed interest rate . The second is the use of indice crediting methods , both domestic and foreign . Genworth has an innovative earnings rollover product . The third is separate sub accounts which use equity and bond instruments in variable annuities . Because these accounts are market driven you can lose money . Currently the variable annuity feature of the income rider is attractive for investors with an established risk tolerance . There are many competitive variable annuity contracts available . Prudential is one of the leading manufacturers of variable annuities . 