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Product illustration workbench
Pick up to three current fixed indexed annuities, set one set of assumptions, and compare them year by year. Flip modes without losing your products or inputs.
0 products · $100,000 premium · 5-year horizon
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Source: CANNEX via AdvisorWorld · Data observed as of unavailable
The account-value path is hypothetical. No income base, rider benefit, withdrawal, or lifetime income is modeled without exact source-backed income results. Economic outlook presets are illustrative macro scenarios, not forecasts or recommendations.
Visitor hypothetical inputs include the premium, state, issue age, horizon, and explicit annual index change. The formula is held constant through the verified source-backed period; renewal terms can change.
Rates and product availability vary by state, premium band, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
Educational only—not financial, investment, insurance, or tax advice, a quote, forecast, or carrier-approved illustration.
Methodology
Source. The selected FIA product, carrier, AM Best rating, annual point-to-point cap or participation rate, verified Uncapped status, supported contract period, and any displayed strategy fee come from CANNEX product data delivered through AdvisorWorld. Premium, state, issue age, rating floor, carrier preferences, product/strategy search, horizon, and annual index changes are visitor inputs.
Updates and source date. Product information is checked for updates every 10 minutes. The visible date comes only from the date verified by the source; the time you visit the page is never substituted.
Accumulation formula. In accumulation mode, the full hypothetical premium is allocated to each selected strategy. Each year, a positive hypothetical index change is limited by the current cap or multiplied by the current participation rate. The modeled credited rate is max(0, current index credit minus any disclosed strategy fee); an undisclosed fee is labeled rather than invented. Negative-index years receive no credit and no fee drag. Current terms are held constant only to demonstrate mechanics; renewal terms can change.
Income mode. The product picker and comparison call the live FIA income calculations through the live public data service. Annual income, income base, rider fee, and ledger milestones are displayed only when the service supplies them for the selected product and inputs. This page never derives a payout from a cap, premium, payout factor, or generic rider label. A selected payout-style label is retained in the permalink; the current public calculation remains the authority for the supplied payout path.
Scope. Each accumulation strategy is limited to the smaller positive surrender or broadest-surrender period supplied by the source, up to 15 years; a longer requested horizon is capped with a notice. The comparison excludes withdrawals, surrender values, taxes, other allocations, bonuses, and features not included in current product information.
How to cite this tool
“AnnuityRatesHQ FIA Product Illustration, current CANNEX fixed indexed annuity cap or participation strategy data via AdvisorWorld. Include the carrier, product, strategy, verified source date, premium, state, issue age, horizon, and explicit hypothetical annual index path shown in the linked result.”
Cite and link to the generated result permalink so readers can reopen the same product and explicit hypothetical inputs. Describe the page as an educational mechanics example—not a carrier-approved illustration or forecast. Never copy a figure until the live result has finished loading.
Review data and use termsPrepared examples
Open a worked example with its assumptions in the initial page. Accumulation examples vary the explicit hypothetical index change; income examples use source-backed guaranteed-income results when current data is available.
A five-year fixed indexed annuity accumulation example using an explicit hypothetical -10% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical -5% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 0% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 1% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 2% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 3% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 4% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 6% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 8% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 10% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 12% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleA five-year fixed indexed annuity accumulation example using an explicit hypothetical 14% annual S&P 500 change and annual point-to-point crediting and fee terms checked for the matching annuity type. The horizon is limited to the strategy's verified source-backed period; no post-period strategy is assumed.
Open exampleCompare source-backed guaranteed-income results for a $250,000 single-life FIA purchase at age 60 with income deferred to age 70. The companion account-value view uses an explicit hypothetical 8% annual index change; its horizon is limited to the strategy's verified source-backed period.
Open exampleCompare source-backed guaranteed-income results for a $250,000 single-life FIA purchase at age 60 with income deferred to age 75. The companion account-value view uses an explicit hypothetical 8% annual index change; its horizon is limited to the strategy's verified source-backed period.
Open exampleCompare source-backed guaranteed-income results for a $250,000 joint-life FIA purchase at age 60 with income deferred to age 70. The companion account-value view uses an explicit hypothetical 8% annual index change; its horizon is limited to the strategy's verified source-backed period.
Open exampleNo. This is an educational mechanics example, not a carrier-approved illustration, quote, forecast, recommendation, or statement of future performance. Confirm current product terms and state availability before relying on any annuity information.
No. A cap limits index-linked credit; a participation rate determines what percentage of a positive index change enters the crediting calculation. Neither is a yield, guaranteed return, or forecast, and current terms can change at renewal.
It is an explicit scenario input supplied by the visitor or included in a prepared example. It is not sourced from CANNEX, AdvisorWorld, AnnuityRatesHQ, or a market forecast. You can repeat one value or enter a separate value for each illustrated year.
This simplified one-year cap or participation mechanic applies no negative index-linked credit and no fee drag in a negative-index year. Surrender charges, withdrawals, taxes, and other allocations are outside this tool.
Income mode uses live FIA income calculations for the selected products and covered-life assumptions. It shows only source-supplied rider values, income-base metrics, and projection milestones; when a product has no current rider result or the service is unavailable, the page says so instead of estimating a payout.
No. The hypothetical index-return slider applies to the account-value illustration. Guaranteed-income figures come from source-backed income calculations and are not derived on this page. Account value and lifetime income should be read as separate views.
Current values come from CANNEX data delivered through AdvisorWorld. A visible as-of date appears only when the source supplies a verified date; the time you visit the page is never substituted.
Continue researching
Review current caps and participation rates without mixing their mechanics.
Open resourceKeep carrier strength, product terms, and goals in the same comparison.
Open resourceSee current cohorts with rate types kept separate.
Open resourceUnderstand crediting, renewal terms, liquidity, and guarantees.
Open resource