Example annual review result

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. The complete arithmetic is included in this prepared example.

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Cash-flow-adjusted change

+$55,000

+11% of beginning value

Income-target coverage

62.5%

User-entered income ÷ user-entered target

Product family

registered index-linked annuity

User-reported hypothetical—not verified contract identity

User-entered statement inputs

These are illustrative visitor inputs, not CANNEX values, verified statements, forecasts, or carrier-approved figures.

Beginning value: $500,000
Ending value: $535,000
Additional premium: $0
Total distributions: $20,000
Income received: $15,000
Disclosed charges: $4,000
Annual income target: $24,000

RILA risk and prospectus context

A registered index-linked annuity can lose money. A buffer means the insurer absorbs the first stated percentage of an index loss; a floor means the buyer's loss is capped at the stated percentage. Those are opposite protection mechanics, and neither makes a RILA principal-protected.

A RILA is an SEC-registered prospectus product. Read the current prospectus for its exact segment, buffer or floor, cap, participation, fee, surrender, and renewal terms. This example invents none of those terms.

Current market context for this annuity category

CANNEX via AdvisorWorld supplies a count of public rate changes for the selected annuity category during the last 30 days. It is general market context, not evidence about this hypothetical holding, not a benchmark, and not a substitute for its statement or contract.

No changes were recorded for this annuity category during the 30-day window. This is an observed empty result, not an unavailable-data placeholder. July 16, 2026.

Methodology and formula notes

Cash-flow-adjusted statement change = ending value + total distributions − additional premium − beginning value. For this example: $535,000 + $20,000 − $0 − $500,000 = +$55,000.

The percentage divides that change by beginning value. It is not time-weighted or dollar-weighted performance. Income received is already a subset of total distributions and is not added twice. Disclosed charges are shown as user-reported context and are not added back because statement values are treated as net.

Data source and cadence

Only the 30-day change counts for the selected annuity category are live data: CANNEX via AdvisorWorld. Current information refreshes every 10 minutes; this prepared scenario refreshes daily.

Every holding figure is the visitor's own hypothetical input. The visible as-of label appears only when the source supplies a verified data date; the time you view the page is never displayed as source freshness.

How to cite this tool

Suggested citation: “AnnuityRatesHQ, ‘RILA annual review: $500,000 with $4,000 in disclosed charges,’ cash-flow-adjusted annual statement review with CANNEX market-event context via AdvisorWorld, July 16, 2026, https://annuityrateshq.com/annual-review-report/rila-annual-review-500k-with-4000-disclosed-charges.”

State that holding values and contract terms are visitor-entered hypotheses. This permalink preserves the inputs but is not a frozen or immutable data citation; include the visible data date when citing live context.

Embed this exact annual review

Copy the full snippet. It preserves every user input and includes a visible AnnuityRatesHQ source link.

<iframe src="https://annuityrateshq.com/embed/annual-review-report?productFamily=RILA&beginningValue=500000&endingValue=535000&additionalPremium=0&totalDistributions=20000&incomeReceived=15000&disclosedCharges=4000&annualIncomeTarget=24000" title="AnnuityRatesHQ annual review report" loading="lazy" width="100%" height="780" style="border:0"></iframe>
<p><a href="https://annuityrateshq.com/annual-review-report?productFamily=RILA&beginningValue=500000&endingValue=535000&additionalPremium=0&totalDistributions=20000&incomeReceived=15000&disclosedCharges=4000&annualIncomeTarget=24000">Powered by AnnuityRatesHQ</a></p>

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Questions this review does not answer

It does not calculate personal performance, taxes, market value adjustments, surrender value, future renewals, replacement economics, liquidity needs, suitability, or a product recommendation. Guarantees depend on the issuing insurer's claims-paying ability and contract terms.

Is the cash-flow-adjusted change an investment return?

No. It is ending value plus total distributions, minus additional premium and beginning value. It is not time-weighted or dollar-weighted performance.

Are the statement figures live carrier data?

No. Beginning value, ending value, premium, distributions, income, charges, and income target are explicitly user-entered hypothetical figures. Only the 30-day market context for the selected annuity category comes from CANNEX via AdvisorWorld.

Can a RILA lose money?

Yes. A registered index-linked annuity can lose money. Buffers and floors limit specified losses under different mechanics; they do not make the contract principal-protected.

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