You will not find any of the companies that sell "gimmick" annuity products on the above list. Reason why: the companies that offer "to good to be true" product features are now faced with the daunting liability of having to make good on their promises, something that will be very hard to accomplish. This poses a "ticking time bomb" for the heirs of many current annuity holders.
TheStreet.com Ratings has been recognized as the most conservative grader of life insurance financial strength by a leading consumer publication and was singled out as the only ratings agency that doesn't accept payments from any of the companies it tracks.
There is no such thing as a free lunch. Be wary of investment/annuity pitchmen.