About Kiplinger Readers Choice Awards 2025
The purpose of Kiplinger Readers Choice Awards is to identify and celebrate the best products and services in the individual finance sector. We asked you, our Kiplinger community, to help us name us products and services that you think has been given excellent value in the previous year.
Survey results, which we are sharing here in our second annual readers’ choice awards, provide valuable insight into which the provider shines when it comes to your everyday interactions and experiences with them. Our awards recognize the excellence in credit cards, banks and brokers to insurers, tax software and financial apps to everything. For each category, we have listed a composite winner who has earned the highest score. We have also highlighted other products and services that have earned the up-average score for various criteria that we asked to assess the readers.
By voting, our community has helped us to create our guides for very good financial products. These are products and companies that you think stand out of the crowd.
Kiplinger Readers Choice Awards: annuity providers
Annuvances are contracts that allow you to pay forward or over time in exchange for the opportunity to create a stable stream of income in retirement; They can be certain or variable, and they can provide immediate or future income. We asked readers to assess their annuity provider on the basis of customer service, their overall satisfaction with the company and how much they are likely to recommend others.
Overall winners: New York Jeevan
Outstanding for:
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- Customer service
- Most recommended
- Overall Satisfaction
The readers highly evaluated the annuity of New York’s life in all three categories, which we asked them to do justice. Many respondents appreciated the strength of the firm’s communication with the customers. And a reader mentioned that the annuity of New York life offers “very competitive rates” compared to other annuities on the market.
New York Life has been serving customers for more than 175 years and has the highest financial-power ratings from all four major credit rating agencies: AM Best (A ++), Fitch (AAA), Moodies (AAA), and Standard & Garib (AA+). Its annuity products include definite deferred annuities, convertible annuities and immediate income annuals.
Allians Life Insurance Company of North America
Outstanding for:
- Customer service
- Most recommended
- Overall Satisfaction
Allians Life offers two main categories annuities: fixed index annuits and registered index-linked annuits, also known as buffer annuits. While pre -major security provides the potential of growth associated with the market index, some of the latter market offers high growth capacity with risk, characterized by various index options and credit methods.
Many readers reported that Allians Life Anusities offer great sign-up bonuses. “His bonuses are amazing for annuity. I opened six months ago and got 47% bonus annuity,” says a reader. With these sign-up bonuses, a certain percentage of the initial premium is credited with the value of the annuity, usually for about 18 months.
On a large scale
Outstanding for:
- Most recommended
- Overall Satisfaction
Massmutual provides a gamal of annuity products including fixed annuity, fixed-scoop annuity, registered index-linked annuity and immediate annuity. Massmutual also has some highest ratings from all major credit rating agencies: A ++ to AM Best, AA+ Fitch, AA3 from Moody’s, and AA+ from standard and poor.
Nationwide
Outstanding for:
The nationwide earned praise for its customer service. The firm offers an array of annuity products including fixed annuity, fixed-oriented annuity, registered index-linked annuity and immediate annuity. Some contracts allow free withdrawal up to a specified percentage annually without surrender fee.
Tia
Ohstanding for:
“Carnegie provided a big benefit to the teachers of the nation when he established Tia!” A reader says.
Originally established in 1918 to provide retirement services to teachers, TIAA has expanded her offerings to include non-profit and public sector employees including academic, research, medical, government and professionals in cultural sectors. Tiaa earned a high rating from readers, especially for customer service.
TIA’s annuity offerings, such as TIAA traditional annuities, employer-contacted retirement plans such as 403 (b) S and 401 (K) S, as well as IRAS.
Kiplinger readers’ choice award categories
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