Free · live market context · no gate

Turn annual statement figures into a transparent checkup

Reconcile simple cash-flow-adjusted change, income-target coverage, and disclosed charges. Then see separate 30-day market-change context for the selected annuity category from CANNEX—without treating it as your contract history.

Statement math

Visitor-entered

Uses only your figures

Market context

unavailable

Selected category only

Shareable

Permalink + embed

No login, email, or PDF

User-entered statement arithmetic

FIA annual statement checkup

These figures use only the statement amounts entered above. They are simple review arithmetic—not investment performance, a reconstruction of carrier account history, a recommendation, or a replacement analysis.

Cash-flow-adjusted change

+$16,500

+6.6% of beginning value

Ending value + total distributions − additional premium − beginning value. Timing is ignored, so this is not a time-weighted or money-weighted return.

Income-target coverage

83.3%

$15,000 of $18,000

Income received is a user-reported subset of total distributions. The annual target is a visitor hypothesis, not a sourced guarantee or projection.

Disclosed charges

$2,500

User-entered statement figure

Charges are shown separately and never added back. They may already be reflected in ending value; the tool does not infer missing fees or treat $0 entered as proof a contract is free.

Exact user-entered statement figures

Beginning $250,000 · ending $251,500 · additional premium $0 · total distributions $15,000 · income received $15,000 · disclosed charges $2,500.

Market context for this annuity category

30-day FIA change-event summary

Market context is temporarily unavailable

Current CANNEX market-change context could not be loaded. This does not mean there were zero changes. The statement arithmetic above remains usable because it depends only on visitor inputs.

Questions for the annual review

Do the entered beginning value, ending value, cash flows, and charges match the carrier statement?
Are income distributions included once inside total distributions, with no double counting?
Do current contract terms, surrender provisions, and prospectus or disclosure documents still match your records?

Prepared examples

Explore annual statement examples

The first set contains four MYGA, four FIA, and four RILA examples. Every contract figure is labeled as a user-entered hypothesis; market context remains separate.

MYGA annual review: $250,000 to $260,000 with $12,000 income

An example MYGA annual review using user-entered statement values: $250,000 beginning value, $260,000 ending value, and $12,000 of distributions identified as income.

MYGA annual review: $100,000 with $5,000 additional premium

An example MYGA annual review using user-entered statement values, including a hypothetical $5,000 additional premium and $3,000 of distributions.

MYGA annual review: $500,000 with $25,000 of distributions

An example MYGA annual review using user-entered statement values: $500,000 beginning value, $495,000 ending value, and $25,000 of hypothetical distributions.

MYGA annual review: $300,000 with $1,800 in disclosed charges

An example MYGA annual review using user-entered statement values and $1,800 of hypothetical statement-disclosed charges; the charges are context and are not added back to the change calculation.

FIA annual review: $250,000 to $258,000 with $10,000 distributed

An example FIA annual review using user-entered statement values, not a projection of index crediting or a claim about a specific contract.

FIA annual review: $400,000 after $30,000 of distributions

An example FIA annual review using hypothetical visitor-entered statement values, including $30,000 of distributions and $24,000 identified as income.

FIA annual review: $150,000 with $25,000 additional premium

An example FIA annual review that separates a user-entered $25,000 additional premium from the cash-flow-adjusted statement change.

FIA annual review: $600,000 with $36,000 of distributions

An example FIA annual review using visitor-entered statement values and an annual income-target comparison; it does not infer cap, participation, or credited-return mechanics.

RILA annual review: $200,000 after a $15,000 statement decline

An example RILA annual review using user-entered statement values that show a loss; no cap, buffer, floor, or return is assumed.

RILA annual review: $300,000 with $30,000 of distributions

An example RILA annual review using visitor-entered statement figures; current market context is limited to recent updates for this annuity type, never a contract-specific rate claim.

RILA annual review: $500,000 with $4,000 in disclosed charges

An example RILA annual review using user-entered statement values and charges; the report does not assert which buffer, floor, cap, or participation terms applied.

RILA annual review: $250,000 with an $18,000 income target

An example RILA annual review using hypothetical visitor-entered statement figures, including additional premium, distributions, and an annual income target.

Methodology

How the annual statement checkup works

Visitor-entered statement figures. Product family, beginning and ending values, premium additions, total distributions, the income subset, and disclosed charges come only from the visitor. The annual income target is explicitly hypothetical. The tool has no access to a visitor’s carrier account or transaction ledger.

Simple cash-flow adjustment. Adjusted change = ending value + total distributions − additional premium − beginning value. Adjusted percentage = that change ÷ beginning value × 100. Income-target coverage = income received ÷ hypothetical target × 100. These are not time-weighted or money-weighted returns.

No double counting. Income received must be included inside total distributions and is not added again. Disclosed charges stay separate because they may already be reflected in ending value. The tool does not infer missing fees, surrender charges, taxes, market-value adjustments, or contract credits.

Annuity categories stay separate. Market context includes only CANNEX events that match the selected MYGA, FIA, or RILA category. Events from other categories or with conflicting classifications are excluded.

No rate claim. The panel counts up to 200 current 30-day events, carriers, products, and directions. It intentionally does not display old or new rates, caps, participation rates, buffers, or floors. An event count is market context, not evidence about a specific contract.

Cadence and freshness. Current CANNEX changes refresh on the site’s 10-minute live-data cadence. A visible as-of label comes only from the verified date supplied with the data; browser and page-view time are never substituted. Scenario pages refresh daily.

RILA scope. RILAs can lose money. Buffers and floors are distinct downside designs, and RILAs are SEC-registered prospectus products. The checkup does not infer either protection or apply FIA plausibility bands to RILA data.

How to cite this tool

Cite the inputs, limited calculation, and source date

“AnnuityRatesHQ Annual Review Report, [MYGA/FIA/RILA], CANNEX change-event context via AdvisorWorld. Include the visitor-entered statement figures, formula, data date shown with the result, and exact permalink.”

Describe the dollar values as visitor-entered statement figures and the output as simple cash-flow-adjusted change—not investment performance. Describe CANNEX figures as events for the selected annuity category in a 30-day window, never as the visitor’s contract history. Permalinks preserve inputs but live market context may refresh.

Review data and use terms

Frequently asked questions

Does this report reconstruct my carrier account history?

No. Beginning value, ending value, additional premium, distributions, income, charges, product family, and income target are visitor-entered statement figures or hypotheses. CANNEX supplies only a separate count of change events for the selected annuity category during the last 30 days.

Is cash-flow-adjusted change an investment return?

No. It is simple review arithmetic: ending value plus total distributions, minus additional premium and beginning value. It ignores cash-flow timing and is not a time-weighted return, money-weighted return, yield, crediting rate, or performance claim.

Why are disclosed charges not added back?

A statement’s ending value may already reflect those charges. Adding them back could double count. The tool shows the visitor-entered amount separately and does not infer that a zero entry means the contract has no charges.

What does the 30-day market panel prove?

Only how many MYGA, FIA, or RILA change events CANNEX reported for the selected annuity category, across how many products and carriers. It does not prove that a visitor’s own contract changed or that an event applies to a particular state, premium band, strategy, buffer, floor, rate, or rider.

How is unavailable different from zero events?

Unavailable means current market information could not be loaded, so zero must not be inferred. A zero-event result means current information was available but showed no matching changes for that annuity category in the 30-day window. The statement arithmetic remains available in either case.

How current is the market context?

Current CANNEX rate-change information refreshes every 10 minutes. A visible as-of label appears only when AdvisorWorld supplies a verified data date; browser or page-view time is never substituted.

Continue researching