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Example portfolio health result
A New Jersey 30 / 30 / 40 allocation review; all existing contract metrics are user-entered and every comparison row is a family-specific reference. The exact inputs, formula flags, and currently available family-specific reference rows are shown on this page.
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
$600,000 from the visitor-entered allocation
Your entered contract metric
4.9%
Visitor-entered current MYGA rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
5.85%
Leading eligible current 3-year guaranteed MYGA rate. Leading eligible current CANNEX row, not a quote for an existing contract.
Current reference: Revol One Insurance Company · DirectGrowth MYGA
A.M. Best: B++
As of: August 17, 2026
Index cap
$600,000 from the visitor-entered allocation
Your entered contract metric
11.25%
Visitor-entered current FIA cap. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
Current information for this part of the report is temporarily unavailable.
Lifetime withdrawal rate
$800,000 from the visitor-entered allocation
Your entered contract metric
6.5%
Visitor-entered current FIA lifetime withdrawal rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.
Leading eligible current reference
12.35%
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: August 17, 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 0.95 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 withdrawal-rate comparison flag
The leading eligible current FIA lifetime withdrawal-rate reference is 5.85 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: August 17, 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.
Portfolio value, allocations, age, deferral, term, contract timing, existing MYGA rate, existing FIA cap, and existing FIA income withdrawal rate are user-entered hypothetical inputs. They are not policy data verified by AnnuityRatesHQ.
A comparison flag appears when the same-family reference exceeds the user-entered metric by at least 0.50 percentage points for a MYGA guaranteed rate, 1.00 point for a no-fee annual S&P 500 one-year point-to-point FIA cap, or 0.50 points for an FIA lifetime withdrawal rate.
An allocation flag appears when any user-entered sleeve exceeds 60%. A timing flag appears when the next user-entered contract date is six months or less away. Every flag is a prompt to inspect contract documents, not a score, forecast, or replacement recommendation.
A guaranteed MYGA rate, FIA index cap, and FIA lifetime withdrawal rate measure different mechanics. They are never averaged or presented as a blended return.
CANNEX via AdvisorWorld supplies each leading eligible reference, not a market average or quote. The MYGA row uses the exact term, state, and sleeve premium; the FIA growth row uses the exact state, sleeve premium, and age; and the FIA income row uses the exact state, age, and deferral period.
Carrier, product, MYGA guaranteed rate, FIA annual cap, FIA lifetime withdrawal rate, and source freshness appear only after product-family and rate-plausibility checks. A reference row is not a recommendation.
The data read and this static example check for refreshes on a 10-minute cadence while retaining the last valid page. An as-of date appears only from a verified source synchronization date; page-view, build, and render times never substitute.
“AnnuityRatesHQ, ‘$2,000,000 annuity portfolio review with a 30 / 30 / 40 allocation,’ user-entered portfolio and contract metrics with separate MYGA, FIA growth, and FIA income references from CANNEX via AdvisorWorld, August 17, 2026, https://annuityrateshq.com/portfolio-health-summary/2m-annuity-portfolio-review-30-30-40-new-jersey.”
Name each percentage as a guaranteed rate, cap, or lifetime withdrawal rate. Do not describe the formula flags as financial advice, a suitability result, or a product grade.
Copy the complete snippet. It preserves every input and includes the visible attribution link.
<iframe src="https://annuityrateshq.com/embed/portfolio-health-summary?portfolioValue=2000000&stateCode=NJ&termYears=3¤tAge=66&deferralYears=7&mygaAllocation=30&fiaGrowthAllocation=30&fiaIncomeAllocation=40¤tMygaRate=4.9¤tFiaCap=11.25¤tIncomeWithdrawalRate=6.5&monthsToNextContractDate=6" title="AnnuityRatesHQ portfolio health summary" loading="lazy" width="100%" height="1100" style="border:0"></iframe>
<p><a href="https://annuityrateshq.com/portfolio-health-summary?portfolioValue=2000000&stateCode=NJ&termYears=3¤tAge=66&deferralYears=7&mygaAllocation=30&fiaGrowthAllocation=30&fiaIncomeAllocation=40¤tMygaRate=4.9¤tFiaCap=11.25¤tIncomeWithdrawalRate=6.5&monthsToNextContractDate=6">Powered by AnnuityRatesHQ</a></p>Attribution preview: Powered by AnnuityRatesHQ