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Example portfolio health result

$500,000 annuity portfolio review with a 30 / 30 / 40 allocation

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 references. The exact inputs, formula flags, and currently available family-specific reference rows are shown on this page.

Adjust these inputs Open the interactive summary

Contract review summary · not a suitability score

$500,000 user-entered portfolio

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.

3 formula flags to inspect

Guaranteed rate

MYGA fixed-rate allocation

30%

$150,000 from the visitor-entered allocation

Your entered contract metric

4.5%

Visitor-entered current MYGA rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.

Leading eligible current reference

5.7%

Leading eligible current 3-year guaranteed MYGA rate. Leading eligible current CANNEX row, not a quote for an existing contract.

Current reference: S.USA Life Insurance Company Inc. · Select Choice

A.M. Best: A-

As of: October 23, 2026

Index cap

FIA growth allocation

30%

$150,000 from the visitor-entered allocation

Your entered contract metric

10%

Visitor-entered current FIA cap. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.

Leading eligible current reference

9.5%

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: New York Life Insurance and Annuity Corporation (NYLIAC) · IndexFlex Fixed Annuity - FP Series

A.M. Best: A++

As of: October 23, 2026

Lifetime withdrawal rate

FIA income allocation

40%

$200,000 from the visitor-entered allocation

Your entered contract metric

6%

Visitor-entered current FIA lifetime withdrawal rate. Visitor-entered hypothetical value, not verified by AnnuityRatesHQ.

Leading eligible current reference

7.25%

Leading eligible current FIA lifetime withdrawal rate. Leading eligible current CANNEX row, not a quote for an existing contract.

Current reference: Corebridge Financial · Power Index Premier NY

A.M. Best: A

As of: October 23, 2026

Formula-based review flags

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 1.20 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 1.25 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 5 months to the next contract date, within the formula's six-month review window.

    timing review

Next contract checks

  1. 1Compare the flagged live reference with the visitor-entered contract figure and verify contract terms before drawing a conclusion.
  2. 2Check the contract anniversary, surrender schedule, and notice deadlines while the entered review window is open.

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: October 23, 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.

Scenario methodology and formula thresholds

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.

Source, cadence, and freshness

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.

How to cite this tool

“AnnuityRatesHQ, ‘$500,000 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, October 23, 2026, https://annuityrateshq.com/portfolio-health-summary/500k-annuity-portfolio-review-30-30-40-new-york.”

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.

Embed this exact result

Copy the complete snippet. It preserves every input and includes the visible attribution link.

<iframe src="https://annuityrateshq.com/embed/portfolio-health-summary?portfolioValue=500000&stateCode=NY&termYears=3&currentAge=62&deferralYears=7&mygaAllocation=30&fiaGrowthAllocation=30&fiaIncomeAllocation=40&currentMygaRate=4.5&currentFiaCap=10&currentIncomeWithdrawalRate=6&monthsToNextContractDate=5" 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=500000&stateCode=NY&termYears=3&currentAge=62&deferralYears=7&mygaAllocation=30&fiaGrowthAllocation=30&fiaIncomeAllocation=40&currentMygaRate=4.5&currentFiaCap=10&currentIncomeWithdrawalRate=6&monthsToNextContractDate=5">Powered by AnnuityRatesHQ</a></p>

Attribution preview: Powered by AnnuityRatesHQ

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