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Put your user-entered MYGA rate, FIA cap, and income withdrawal rate beside leading eligible current references. Get transparent formula flags and contract questions—not a suitability verdict, quote, or recommendation.
Your facts
Explicitly visitor-entered
Current data
Three separate references
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Contract review summary · not a suitability score
Your holdings and contract percentages stay separate from three leading eligible current CANNEX references. Unlike percentages are never averaged, and a rank-one row is not a quote or recommendation.
Guaranteed rate
$300,000 from the visitor-entered allocation
Your entered contract metric
4%
Visitor-entered current MYGA rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
7.45%
Leading eligible current 5-year guaranteed MYGA rate. Leading eligible current CANNEX row, not a quote for an existing contract.
Current reference: Atlantic Coast Life · Safe Harbor Bonus Guarantee
A.M. Best: B
As of: July 16, 2026
Index cap
$300,000 from the visitor-entered allocation
Your entered contract metric
6%
Visitor-entered current FIA cap. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
12%
Leading eligible current no-fee annual S&P 500 cap · 1-year point-to-point FIA. Leading eligible current CANNEX row, not a quote for an existing contract.
Current reference: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA
A.M. Best: A++
As of: July 16, 2026
Lifetime withdrawal rate
$400,000 from the visitor-entered allocation
Your entered contract metric
5%
Visitor-entered current FIA lifetime withdrawal rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
12.8%
Leading eligible current FIA lifetime withdrawal rate. Leading eligible current CANNEX row, not a quote for an existing contract.
Current reference: Allianz Life Insurance Company of North America · Retirement Foundation ADV
A.M. Best: A+
As of: July 16, 2026
These disclosed arithmetic prompts identify documents or contract terms to inspect. They are not product grades, performance forecasts, or recommendations.
MYGA rate comparison flag
The leading eligible current guaranteed-rate reference is 3.45 percentage points above the visitor-entered current MYGA rate, meeting the 0.50-point formula threshold. This is a comparison flag, not replacement advice.
comparison
FIA cap comparison flag
The leading eligible current no-fee annual S&P 500 cap reference is 6.00 percentage points above the visitor-entered current FIA cap, meeting the 1.00-point formula threshold. This is a comparison flag, not replacement advice.
comparison
FIA withdrawal-rate comparison flag
The leading eligible current FIA lifetime withdrawal-rate reference is 7.80 percentage points above the visitor-entered current rate, meeting the 0.50-point formula threshold. This is a comparison flag, not replacement advice.
comparison
Contract-date review flag
The visitor entered 6 months to the next contract date, within the formula's six-month review window.
timing review
Allocation arithmetic
30% MYGA · 30% FIA growth · 40% FIA income
No blended rate
Guaranteed rates, caps, and withdrawal rates retain their distinct meanings.
Grounded freshness
Oldest available current reference: July 16, 2026.
Source: Current references come from CANNEX via AdvisorWorld. Portfolio value, allocations, current contract metrics, age, deferral, timing, term, and state are visitor-entered hypothetical inputs.
Rates, caps, rider mechanics, state availability, and product versions can change. Guarantees depend on the issuing insurer's claims-paying ability and are not FDIC-insured.
Educational contract-review checklist only—not financial, investment, insurance, legal, or tax advice; not a carrier quote, replacement recommendation, product grade, or suitability determination.
Worked examples
Each indexable example includes its answer in the initial HTML and labels all existing contract metrics as visitor-entered assumptions.
A Texas portfolio review using user-entered 4.1% MYGA, 8.5% FIA cap, and 5.5% income-withdrawal metrics beside current live family-specific references.
A Florida 30% MYGA, 30% FIA growth, and 40% FIA income review; existing 4.25%, 9%, and 5.75% contract metrics are user-entered while current references come from live data.
A California MYGA and FIA review using user-entered existing contract metrics and current live MYGA, FIA growth, and FIA income reference rows.
A Texas portfolio health example with user-entered 4.4% MYGA, 9.25% FIA cap, and 5.8% income-withdrawal metrics compared with current live references.
A New York 30 / 30 / 40 sleeve review; the 4.5%, 10%, and 6% existing contract metrics are user-entered and the comparison rows are current live references.
A Pennsylvania portfolio review separating user-entered existing contract metrics from current live MYGA guaranteed-rate, FIA cap, and FIA income-withdrawal references.
A Florida portfolio health summary using user-entered 4.55% MYGA, 9.75% FIA cap, and 6.1% income-withdrawal metrics beside current live family-specific references.
A California 30 / 30 / 40 allocation review with user-entered existing rates and current live MYGA, FIA growth, and FIA income reference rows.
A Virginia MYGA and FIA review that labels 4.75%, 11%, and 6.5% as user-entered contract metrics and uses live data only for current reference rows.
A Texas portfolio health summary comparing user-entered existing contract metrics with current live references for three separately guarded annuity sleeves.
A New Jersey 30 / 30 / 40 allocation review; all existing contract metrics are user-entered and every current live comparison row is a family-specific reference.
An Arizona MYGA and FIA review using visitor-entered existing metrics beside current live MYGA guaranteed-rate, FIA cap, and FIA lifetime-withdrawal-rate references.
Methodology
Visitor-entered facts stay labeled. Portfolio value, allocations, current contract metrics, state, age, deferral, term, and next contract date come from the visitor. AnnuityRatesHQ cannot inspect a policy, statement, renewal notice, or carrier account.
Leading eligible current references. CANNEX via AdvisorWorld supplies the carrier, product, guaranteed MYGA rate, no-fee annual S&P 500 FIA cap, FIA income withdrawal rate, and source freshness. The MYGA row is the rank-one eligible result for the exact term, state, and allocated dollars. The FIA growth row uses the exact state and allocated dollars; the FIA income row uses the exact age, deferral, and state. Each family is checked and displayed separately; no row is a market average, existing-contract quote, or recommendation.
Exact formula thresholds. A comparison flag appears when the leading eligible current reference is at least 0.50 percentage points above the visitor-entered MYGA rate, 1.00 point above the visitor-entered FIA cap, or 0.50 points above the visitor-entered FIA withdrawal rate. An allocation above 60% triggers an allocation-review flag. A next contract date within 6 months triggers a timing-review flag. These arithmetic prompts do not grade a contract or determine suitability.
Unlike metrics never combine. A guaranteed MYGA rate, FIA index cap, and FIA rider withdrawal rate describe different mechanics. The summary never adds or averages them, and it never presents them as a blended return.
Refresh and source dates. Current reference data refreshes on a 10-minute cadence. An as-of date comes only from a verified source synchronization record; page, browser, and build times are never used as data dates.
How to cite this tool
“AnnuityRatesHQ Portfolio Health Summary, [portfolio value and allocation], [visitor-entered contract metrics], separate current MYGA, FIA growth, and FIA income references from CANNEX via AdvisorWorld, [visible grounded date], [exact permalink].”
Describe visitor-entered values as reported assumptions. Call the current percentage a guaranteed rate, cap, or lifetime withdrawal rate exactly as labeled. Do not call a flag advice, a product grade, a replacement recommendation, or a suitability finding. If a grounded source date is not visible, do not invent one.
No. The title describes a contract-review checklist, not a suitability score or recommendation. The page applies disclosed arithmetic flags to user-entered contract metrics and keeps each live market reference in its own product family.
Portfolio value, allocation percentages, current contract rate, current cap, current withdrawal rate, age, deferral, timing, term, and state are visitor-entered hypothetical inputs. The leading eligible current carrier, product, MYGA guaranteed rate, FIA cap, FIA lifetime withdrawal rate, and grounded source dates come from CANNEX via AdvisorWorld; the selected rows are not market averages, quotes, or recommendations.
Never. Those percentages describe unlike contract mechanics. They stay in separate sections and are not added, averaged, or relabeled as a portfolio return.
Flags are formula-based prompts to inspect a contract document or current reference. They are not product grades. The methodology states each threshold, and a flag can be triggered only from the visitor’s inputs and an available like-for-like reference.
The page shows the available family-specific reference and an honest unavailable message for each missing family. A missing rate, cap, withdrawal rate, carrier, or date is never replaced with a default.
Current data refreshes on a 10-minute cadence. An as-of date appears only when the source includes a verified CANNEX synchronization date; page-view and build times are never substituted.
Continue researching
Compare fixed guaranteed rates by term, state, and premium.
Review indexed caps and participation mechanics separately.
Compare current lifetime withdrawal mechanics without calling them returns.
Turn a statement into a separate contract-review checklist.
Inspect grounded changes in currently tracked rates.
Review financial-strength context beyond one product metric.
Understand access limits and contract-year timing.
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