A sourced case brief for your next client meeting

The job

Before a client meeting, turn a rough situation — an issue age, an income-start age, a state, a premium, a legacy goal — into a short written brief: which options merit discussion, what current research says about each, what is still unknown, and what to verify with the carrier before giving advice. The brief is meeting prep, not a recommendation.

Before and after

What the brief gives you

A shortlist, with reasons

Up to five candidates when the source returns them, compared under the same age, state, premium, and timeline when exact comparison is available. Income mechanics, rider cost, liquidity, and joint availability stay separate, so a high payout is never presented as proof of stronger value for heirs.

Citations you can open

A candidate links to its product page when a verified match exists. Otherwise, its FIA research-category link gives context but does not verify product-specific terms. Include source as-of times when supplied; if a trustworthy time is unavailable, say so.

Known and unknown fields

Published facts sit next to an explicit unknown list. A field may be unavailable because it was not published or because a source failed; name the reason when known. Missing never means zero or proves a feature is absent.

A carrier-illustration verification packet

A closing checklist of what only the current carrier illustration can confirm: state and age eligibility, premium band, rider terms, issue-date terms, and how income affects beneficiary value. Nothing in the brief substitutes for it.

Starter prompts

Copy one into your connected AI client and adapt the synthetic scenario to the case. The scenarios are invented examples — they make no claim about any real product or rate.

Synthetic example — a 60-year-old in TX plans single-life income starting at 70, with a $250,000 premium, while preserving possible value for heirs. Using current AnnuityRatesHQ research, shortlist available FIA income-rider candidates for that exact issue age, income-start age, state, and premium. Cite facts to product pages when available; label an FIA research-category link as context, not product evidence. Include source as-of times only when supplied, distinguish unpublished facts from source failures where possible, mark anything unverifiable as unavailable, and close with the carrier-illustration verification list that a current illustration must confirm before the meeting.

Synthetic example — a 62-year-old in OH plans single-life income starting at 72, with a $300,000 premium, considering only carriers rated AM Best A or higher, against a nominal first-year annual-income target of $24,000. Using current AnnuityRatesHQ research, show per-candidate gap and coverage arithmetic when published for that exact issue age, income-start age, state, and premium. Cite facts to product pages when available; label an FIA research-category link as context, not product evidence. Include source as-of times only when supplied, distinguish unpublished facts from source failures where possible, mark anything unverifiable as unavailable, and close with the carrier-illustration verification list that a current illustration must confirm before the meeting.

Synthetic example — a 58-year-old in FL plans single-life income starting at 67, with a $200,000 premium. Using current AnnuityRatesHQ research, research that exact issue age, state, and premium at income-start age 67 with side-by-side comparison at ages 70 and 75 when exact comparisons are available. Cite facts to product pages when available; label an FIA research-category link as context, not product evidence. Include source as-of times only when supplied, distinguish unpublished facts from source failures where possible, mark anything unverifiable as unavailable, and close with the carrier-illustration verification list that a current illustration must confirm before the meeting.

Connect manually today

The AnnuityRatesHQ MCP server is public and read-only — no API key, no account. Set it up once in the client you use; the steps below are manual for now.

codex mcp add annuityrateshq --url https://annuityrateshq.com/mcp

claude mcp add --transport http annuityrateshq https://annuityrateshq.com/mcp

{
  "mcpServers": {
    "annuityrateshq": {
      "url": "https://annuityrateshq.com/mcp"
    }
  }
}

Directory availability varies by AI client and workspace. When a verified AnnuityRatesHQ listing is present in your client's directory, install from that listing; otherwise, use the manual steps above to connect.

Brief skeleton

Expect the brief to follow this shape. Bracketed lines are placeholders — a finished brief fills them with cited facts or marks them unavailable.

CLIENT SITUATION
[Age, state, timeline, and goal in one paragraph. No client names or personal details.]

SHORTLIST
[Available candidate, if any] — [why it merits discussion, with product-page link when available or a clearly labeled research-category link]

WHAT EACH OPTION SHOWS
[Income mechanics, rider cost, liquidity, and joint availability — kept separate.]

WHAT IS STILL UNKNOWN
[Each missing fact marked unavailable; distinguish unpublished facts from source failures when known.]

CARRIER VERIFICATION LIST
[State, age, premium, rider, and issue-date terms to confirm.]
[Beneficiary mechanics after income begins, to confirm from the illustration.]

SOURCES
[Source links and any available as-of times; say when a trustworthy time is unavailable.]