The numbers are in, and they tell a story that anyone paying attention to the retirement landscape already sensed: Americans want guarantees.
LIMRA's preliminary data, released February 12, confirmed that total U.S. annuity sales reached $461.3 billion in 2025 — a 6% increase over the prior year and yet another all-time record. Fourth quarter sales alone jumped 12% to $114.4 billion, marking the ninth consecutive quarter above the $100 billion threshold. Building on a 2024 that itself topped $434 billion, the trajectory is unmistakable. Consumers are gravitating toward principal protection, tax-deferred growth, and guaranteed income they cannot outlive — and the demand shows no signs of slowing down.
At My Annuity Store, Inc., we see this shift every day. We hear it in the calls from a 58-year-old teacher in Ohio who wants to know if she can lock in a competitive annuity rate for five years. We see it in online quote requests from a recently retired couple in Florida comparing multi-year guaranteed annuities side by side at midnight. And we feel it in the growing volume of people who simply want a straight answer to a simple question: How do I protect what I've saved?
A Different Kind of Annuity Experience
My Annuity Store was founded on the conviction that the Annuity marketplace needed more transparency, more independence, and far less friction. We are a licensed independent insurance agency operating in 47 states, and we represent dozens of the nation's top-rated carriers — not just one. That distinction matters. When a consumer comes to us, we are not steering them toward a proprietary product or a house brand. We are searching for the market on their behalf, comparing annuity rates, contract features, surrender terms, and insurer financial strength ratings to surface the options that genuinely fit their situation.
Our core offerings span the full spectrum of accumulation and income solutions: multi-year guaranteed annuities (MYGAs) for those who want a fixed rate locked in for a set term, fixed index annuities for consumers seeking market-linked growth potential with downside protection, and income annuities for retirees ready to convert savings into a paycheck that lasts a lifetime. Every product we present is backed by the claims-paying ability of the issuing insurer, and we make sure our clients understand exactly what they're buying before they sign.
Investing in Technology to Serve More Americans
Record demand is encouraging, but it also exposes a gap. Millions of Americans who could benefit from an annuity still find the process intimidating, opaque, or simply inaccessible. That's the problem we're determined to solve.
Over the past year, we have invested heavily in new digital tools and technologies designed to meet consumers where they are. Our online platform now features real-time annuity rate comparison tables updated daily, retirement planning calculators that model income needs across multiple scenarios, income rider calculators that rank guaranteed lifetime withdrawal benefits head-to-head, and an intuitive quote request system that deliver personalized illustrations directly to a consumer's inbox. We've also built out a comprehensive library of educational content — from carrier profiles and product reviews to plain-English glossaries — because we believe informed consumers make better decisions.
Behind the scenes, we're integrating advanced data APIs that allow us to pull live rate and product data from across the industry, ensuring the information on our platform is accurate, current, and complete. The goal is simple: give every American — whether they're tech-savvy or prefer to pick up the phone — a clear, unbiased window into what the annuity market has to offer them today.
Why Independence and Transparency Matter Now More Than Ever
In a market flooded with record sales, not every dollar is flowing to the right product for the right person. The surge in demand has attracted new entrants, new marketing tactics, and, inevitably, new confusion. Consumers deserve a resource that puts their interests at the center — one that doesn't manufacture products, doesn't earn trading commissions on variable sub-accounts, and doesn't bury critical details in fine print.
That is the role we've built My Annuity Store to fill. Our licensed agents are available to walk through options, answer questions, and provide the kind of independent, unbiased guidance that turns uncertainty into confidence. The positive feedback from our clients — many of whom highlight the patience and knowledge of our team — reinforces that this approach works.
Looking Ahead
We believe the forces driving annuity demand — market volatility, longer life expectancies, the decline of traditional pensions, and a growing awareness that Social Security alone isn't enough — are not going away. If anything, they're intensifying. The Americans reaching retirement age over the next decade will need solutions that offer certainty in an uncertain world, and they'll need trustworthy partners to help them navigate the options.
My Annuity Store is ready. We're expanding our technology, growing our team, and deepening our carrier relationships — all with one purpose: to make it easier for every American to access the principal protection and guaranteed income they deserve.
Because retirement should be something people look forward to — not lose sleep over.
My Annuity Store, Inc. is a licensed independent insurance agency in 47 states. To learn more or explore current annuity rates, visit myannuitystore.com or call (855) 583-1104.
LIMRA's preliminary data, released February 12, confirmed that total U.S. annuity sales reached $461.3 billion in 2025 — a 6% increase over the prior year and yet another all-time record. Fourth quarter sales alone jumped 12% to $114.4 billion, marking the ninth consecutive quarter above the $100 billion threshold. Building on a 2024 that itself topped $434 billion, the trajectory is unmistakable. Consumers are gravitating toward principal protection, tax-deferred growth, and guaranteed income they cannot outlive — and the demand shows no signs of slowing down.
At My Annuity Store, Inc., we see this shift every day. We hear it in the calls from a 58-year-old teacher in Ohio who wants to know if she can lock in a competitive annuity rate for five years. We see it in online quote requests from a recently retired couple in Florida comparing multi-year guaranteed annuities side by side at midnight. And we feel it in the growing volume of people who simply want a straight answer to a simple question: How do I protect what I've saved?
A Different Kind of Annuity Experience
My Annuity Store was founded on the conviction that the Annuity marketplace needed more transparency, more independence, and far less friction. We are a licensed independent insurance agency operating in 47 states, and we represent dozens of the nation's top-rated carriers — not just one. That distinction matters. When a consumer comes to us, we are not steering them toward a proprietary product or a house brand. We are searching for the market on their behalf, comparing annuity rates, contract features, surrender terms, and insurer financial strength ratings to surface the options that genuinely fit their situation.
Our core offerings span the full spectrum of accumulation and income solutions: multi-year guaranteed annuities (MYGAs) for those who want a fixed rate locked in for a set term, fixed index annuities for consumers seeking market-linked growth potential with downside protection, and income annuities for retirees ready to convert savings into a paycheck that lasts a lifetime. Every product we present is backed by the claims-paying ability of the issuing insurer, and we make sure our clients understand exactly what they're buying before they sign.
Investing in Technology to Serve More Americans
Record demand is encouraging, but it also exposes a gap. Millions of Americans who could benefit from an annuity still find the process intimidating, opaque, or simply inaccessible. That's the problem we're determined to solve.
Over the past year, we have invested heavily in new digital tools and technologies designed to meet consumers where they are. Our online platform now features real-time annuity rate comparison tables updated daily, retirement planning calculators that model income needs across multiple scenarios, income rider calculators that rank guaranteed lifetime withdrawal benefits head-to-head, and an intuitive quote request system that deliver personalized illustrations directly to a consumer's inbox. We've also built out a comprehensive library of educational content — from carrier profiles and product reviews to plain-English glossaries — because we believe informed consumers make better decisions.
Behind the scenes, we're integrating advanced data APIs that allow us to pull live rate and product data from across the industry, ensuring the information on our platform is accurate, current, and complete. The goal is simple: give every American — whether they're tech-savvy or prefer to pick up the phone — a clear, unbiased window into what the annuity market has to offer them today.
Why Independence and Transparency Matter Now More Than Ever
In a market flooded with record sales, not every dollar is flowing to the right product for the right person. The surge in demand has attracted new entrants, new marketing tactics, and, inevitably, new confusion. Consumers deserve a resource that puts their interests at the center — one that doesn't manufacture products, doesn't earn trading commissions on variable sub-accounts, and doesn't bury critical details in fine print.
-
When Americans put $461 billion into annuities in a single year, that's not a sales number - that's a vote of confidence. People are done gambling with their retirement savings. They want a guaranteed rate, a contract they can understand, and someone who will show them the full market, not just one company's product.
That is the role we've built My Annuity Store to fill. Our licensed agents are available to walk through options, answer questions, and provide the kind of independent, unbiased guidance that turns uncertainty into confidence. The positive feedback from our clients — many of whom highlight the patience and knowledge of our team — reinforces that this approach works.
Looking Ahead
We believe the forces driving annuity demand — market volatility, longer life expectancies, the decline of traditional pensions, and a growing awareness that Social Security alone isn't enough — are not going away. If anything, they're intensifying. The Americans reaching retirement age over the next decade will need solutions that offer certainty in an uncertain world, and they'll need trustworthy partners to help them navigate the options.
My Annuity Store is ready. We're expanding our technology, growing our team, and deepening our carrier relationships — all with one purpose: to make it easier for every American to access the principal protection and guaranteed income they deserve.
Because retirement should be something people look forward to — not lose sleep over.
My Annuity Store, Inc. is a licensed independent insurance agency in 47 states. To learn more or explore current annuity rates, visit myannuitystore.com or call (855) 583-1104.
