Source. Every visible carrier rating and product count comes from CANNEX product rows delivered through AdvisorWorld and read through AnnuityRatesHQ’s cached, timeout-protected data boundary. Premium, state, family, term, threshold, and name filter are the user’s hypothetical inputs.
Cadence and freshness. Cached live reads revalidate every ten minutes. The visible date comes only from the upstream sync_log; page render times, capture timestamps, and carrier effective dates are never substituted.
Formula notes. Rows group by supplied carrier ID when present, otherwise by exact normalized issuing name. Counts deduplicate product IDs. FIA rows declaring a RILA family are quarantined. Conflicting AM Best values withhold the carrier’s rating rather than selecting one.
Scope. Counts describe products observed in the selected query, not a carrier’s full lineup. Ratings are opinions of the rating agency and can change. Guarantees rely on the issuing insurer’s claims-paying ability and are not FDIC-insured.