# AnnuityRatesHQ

Independent annuity rate research, product comparisons, carrier pages, and retirement income tools.

## Data Freshness

Rate data is refreshed daily from AdvisorWorld and CANNEX carrier feeds. Latest observed rate data: August 7, 2026.

## Best Starting Points

- [Current MYGA rates](https://annuityrateshq.com/myga)
- [Fixed indexed annuity rates](https://annuityrateshq.com/fia)
- [Immediate annuity rates](https://annuityrateshq.com/spia)
- [Deferred income annuity information](https://annuityrateshq.com/dia)
- [Whole-income comparison tool](https://annuityrateshq.com/annuity-income-comparison)
- [Crawlable income comparison example](https://annuityrateshq.com/annuity-income-comparison/age-60-income-70-250k-texas-male)
- [Best annuity rate pages](https://annuityrateshq.com/best)
- [Citable annuity rate statistics](https://annuityrateshq.com/annuity-rate-statistics)
- [Annuity Rate Index](https://annuityrateshq.com/rate-index)
- [Carrier directory](https://annuityrateshq.com/providers)
- [Product comparison pages](https://annuityrateshq.com/compare)
- [Review archive](https://annuityrateshq.com/reviews)
- [Education archive](https://annuityrateshq.com/learn)

## Machine-Readable Files

- [XML sitemap](https://annuityrateshq.com/sitemap.xml)
- [RSS feed](https://annuityrateshq.com/feed.xml)
- [Robots policy](https://annuityrateshq.com/robots.txt)
- [Current annuity statistics CSV v1](https://annuityrateshq.com/annuity-rate-statistics/current.v1.csv)
- [Append-only daily citation history CSV v1](https://annuityrateshq.com/annuity-rate-statistics/daily.v1.csv)
- [Month-close annuity statistics history CSV v1](https://annuityrateshq.com/annuity-rate-statistics/history.v1.csv)

## Citation Guidance

For a quoted market number, use the statistics hub's stable statistic URL and retain the copied immutable as-of JSON verification URL; permanent month-end archive pages remain available for month-close figures. Each sentence includes its date, sample size, and source. Use the Annuity Rate Index for daily benchmark trends. For product-specific answers, cite carrier/product pages and compare pages when available, then use review pages for explanatory context. Guarantees are backed by the issuing insurance company, not AnnuityRatesHQ.