Good question.
With respect to "direct," I am assuming that you are referring to directly from the insurance company with no agent or financial advisor involved.
There are relatively little direct distribution in the annuity business when compared with other lines of insurance.
The universe is narrowed further when throwing-in the A++ AM Best rating.
Let's start with listing some companies that fall under the strong financial rating:
I think it would make sense to inquire with the following companies regarding direct distribution:
- TIAA-CREF
- USAA Life
- New York Life
You can also take a look at the Vanguard annuity platform for what might be some lower cost purchase options.
Hope this helps.
