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Example portfolio health result

$500,000 MYGA and FIA portfolio review in Pennsylvania

A Pennsylvania portfolio review separating user-entered existing contract metrics from MYGA guaranteed-rate, FIA cap, and FIA income-withdrawal 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.

Some current references unavailable
Current data is incomplete. Current information for this part of the report is temporarily unavailable. Available sections remain visible, and no missing rate, cap, withdrawal rate, carrier, or date is replaced with a default.

Guaranteed rate

MYGA fixed-rate allocation

25%

$125,000 from the visitor-entered allocation

Your entered contract metric

4.6%

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

Leading eligible current reference

6.35%

Leading eligible current 7-year guaranteed MYGA rate. Leading eligible current CANNEX row, not a quote for an existing contract.

Current reference: Aspida Life Insurance Company · Aspida Advisory MYGA

A.M. Best: A-

As of: August 7, 2026

Index cap

FIA growth allocation

35%

$175,000 from the visitor-entered allocation

Your entered contract metric

10.5%

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

FIA income allocation

40%

$200,000 from the visitor-entered allocation

Your entered contract metric

6.25%

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

Leading eligible current reference

11.25%

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 7, 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 1.75 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 5.00 percentage points above the visitor-entered current rate, meeting the 0.50-point formula threshold. This is a comparison flag, not replacement advice.

    comparison

Next contract checks

  1. 1Retry the current-data comparisons later; no missing market rate was replaced with a default or estimate.
  2. 2Compare the flagged live reference with the visitor-entered contract figure and verify contract terms before drawing a conclusion.

Allocation arithmetic

25% MYGA · 35% 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 7, 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 MYGA and FIA portfolio review in Pennsylvania,’ user-entered portfolio and contract metrics with separate MYGA, FIA growth, and FIA income references from CANNEX via AdvisorWorld, August 7, 2026, https://annuityrateshq.com/portfolio-health-summary/500k-myga-fia-portfolio-review-pennsylvania.”

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=PA&termYears=7&currentAge=67&deferralYears=5&mygaAllocation=25&fiaGrowthAllocation=35&fiaIncomeAllocation=40&currentMygaRate=4.6&currentFiaCap=10.5&currentIncomeWithdrawalRate=6.25&monthsToNextContractDate=12" 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=PA&termYears=7&currentAge=67&deferralYears=5&mygaAllocation=25&fiaGrowthAllocation=35&fiaIncomeAllocation=40&currentMygaRate=4.6&currentFiaCap=10.5&currentIncomeWithdrawalRate=6.25&monthsToNextContractDate=12">Powered by AnnuityRatesHQ</a></p>

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