Tell the AI about your situation — TSP balance, age, and goals. It'll identify which providers fit best and whether the TSP MetLife option makes sense for you.
✅ Comparison Ready — See Providers Below
Based on your inputs, here are the best-fit providers for your TSP rollover situation.
Comparing 10 commercial providers plus the TSP's built-in annuity option. All rates are estimated ranges for 2026 — verify current rates with providers before deciding.
| Provider | AM Best Rating | SPIA Rate (age 62, $500k) | Min. Investment | Survivor Options | TSP Specialist | Best For |
|---|---|---|---|---|---|---|
|
TSP Annuity (MetLife)
OPM-administered · via TSP withdrawal
|
~$2,650/mo single life ESTIMATE | No minimum | 50% or 100% joint, cash refund, inflation-indexed | 🇺🇸 Federal Only | Simplicity, no rollover needed | |
|
New York Life
Largest mutual insurer in the US
|
~$2,950–$3,100/mo ESTIMATE | $10,000 | Single, joint (50%/100%), period certain, cash refund | 🇺🇸 Federal Specialist | Maximum security + income | |
|
MassMutual
Strong dividend history, mutual company
|
~$2,900–$3,050/mo ESTIMATE | $10,000 | Single, joint, period certain, life with cash refund | 🇺🇸 Federal Specialist | High income + dividend potential | |
|
TIAA
Non-profit heritage, academic/gov focus
|
~$2,850–$3,000/mo ESTIMATE | $5,000 | Single, joint, graded (inflation protection), period certain | 🇺🇸 Federal Specialist | Inflation protection options | |
|
Pacific Life
Strong indexed annuity products
|
~$2,900–$3,050/mo ESTIMATE | $5,000 | Single, joint, cash refund, enhanced benefit riders | — | Flexibility + competitive rates | |
|
Western & Southern Financial
Conservative, financially strong mutual
|
~$2,880–$3,000/mo ESTIMATE | $10,000 | Single, joint, cash refund, life with period certain | — | Stable income + strong guarantees | |
|
Nationwide
Broad product range, good customer service
|
~$2,850–$2,980/mo ESTIMATE | $5,000 | Single, joint, period certain, enhanced death benefit | — | Flexibility + rider options | |
|
Protective Life
Competitive immediate annuity rates
|
~$2,920–$3,080/mo ESTIMATE | $5,000 | Single, joint, cash refund, period certain | — | High SPIA rates | |
|
Lincoln Financial
Strong for income riders + variable options
|
~$2,850–$3,000/mo ESTIMATE | $5,000 | Single, joint, variable income with floor | — | Income riders with growth potential | |
|
Allianz Life
Leader in indexed annuities
|
Varies by product ESTIMATE | $10,000 | Single, joint, index-linked rider options | — | Indexed growth + income balance | |
|
North American Company
Competitive fixed and indexed products
|
~$2,800–$2,950/mo ESTIMATE | $2,000 | Single, joint, cash refund | — | Lower minimums, broad options |
Rates shown are estimated ranges for a 62-year-old male, single-life, $500,000 premium, level payments. Actual rates vary by age, gender, payment option, and provider terms. AM Best ratings are verified as of April 2026. Always obtain current quotes before deciding.
The rollover process has 3 steps — all tax-free if done correctly.
Request a Direct Rollover
Submit a TSP withdrawal form requesting a direct rollover to a traditional IRA. This is tax-free. Never take a check — that triggers 20% mandatory withholding.
Open a Receiving IRA
Open a traditional IRA at a brokerage (Fidelity, Vanguard, Schwab). The IRA receives your TSP funds. No taxes owed yet. Funds sit in the IRA until you purchase.
Purchase the Annuity
Work with a licensed insurance agent to purchase a SPIA (single premium immediate annuity) from your chosen provider. Payments begin within 30 days of purchase for immediate annuities.
Ready to Make the Right Call?
A ChFEBC or fee-only CFP specializing in federal benefits can run your exact numbers, compare providers, and make a recommendation you can act on. RetireStack can connect you.
Find a Federal Retirement Specialist →SEEK EXPERT ADVICE. The annuity comparison information on this page is for educational purposes only and does not constitute financial, investment, or insurance advice. Annuity rates change frequently. The decision to roll your TSP into a commercial annuity is irrevocable once made and has significant tax implications. Before making any TSP withdrawal or annuity purchase, consult a licensed financial advisor, a ChFEBC (Chartered Federal Employee Benefits Consultant), or a fee-only CFP who specializes in federal retirement benefits. RetireStack is not a registered investment advisor and does not provide personalized financial advice.
TSP Annuity vs Commercial Annuity
Deep side-by-side comparison with estimated monthly payments for your exact situation.
Federal Retirement Advisor Finder
Compare advisor types (ChFEBC, CFP, fee-only) and find a federal retirement specialist near you.
Federal Retire Stack
Your FERS/CSRS pension, survivor election math, TSP strategy, and FEHB all in one place.