How we make money
AnnuityRatesHQ is free for readers. Here is how the business is funded and what that means for our research.
Our business model
AnnuityRatesHQ publishes educational research, product comparisons, and rate information. We may receive compensation when a reader voluntarily asks to be connected with a licensed financial professional and that introduction results in a business relationship.
You do not pay AnnuityRatesHQ to use the site. Annuity contract pricing, credited rates, fees, and guarantees are set by the issuing insurance company, not by us.
Editorial independence
Compensation does not determine which products we cover, the ratings we assign, or our conclusions. See our editorial standards.
- Carriers cannot pay to change a rating or editorial conclusion.
- Sponsored placement, if introduced, will be clearly labeled.
- Rate and product facts may change after publication and are checked against available sources.
Important limits
AnnuityRatesHQ provides education, not individualized financial, tax, or legal advice. A licensed professional may receive commissions or other compensation if you purchase a product. Ask that professional to explain compensation, conflicts, fees, surrender charges, and alternatives before acting.