Patient needs analysis
The survey adapts around income timing, liquidity, taxes, risk, and the actual offer in front of you.
Independent annuity second opinion
Don't sign that annuity until you've seen the other side.
Start with the annuity you're being offered. The survey asks the questions a rushed sales meeting skips, then the comparison uses live carrier data and modeling logic.
Start freeNo account, email, phone, or payment before the survey.
Free survey firstLive carrier dataNo one calls out of the blue
The AI survey
A real needs analysis, then math you can inspect.
The survey listens for income timing, liquidity, taxes, risk, and the offer in front of you. The finished comparison separates your quoted facts from modeled results.
The survey helps ask better questions. The math comes from the same comparison engine that builds the report.
Wired to carrier data
The comparison reads current product data for your facts instead of relying on stale general training data.
Numbers you can check
Quoted numbers stay separate from modeled numbers, with the rate date visible in the finished report.
Why check
The product menu you see may not be the full market.
Most annuities reach buyers through distribution networks. An agent may only be able to show products their firm or upline makes available, and different products can compensate differently. That is normal distribution, not proof anyone is acting badly.
If the annuity you were offered ranks first, the report says so. If it does not, you have better questions to ask before signing.
Ranked #1
$3,679
per month for life
Ranked #5
$3,226
per month for life
Representative difference
$453 / month
$108,648 over 20 years
The report that ranks them costs $75.
Representative example: single life, age 65, $450,000, Florida, income starting at age 66, guaranteed lifetime basis. Carrier rates as of June 11, 2026; rates change.
Your offer
Bring the annuity you are being pitched.
If you know the carrier or product, add it. If not, the quoted monthly income and premium are enough to compare the offer against the field.
Survey step preview
What are you being offered?
Premium
$450,000
State
Florida
Quoted income
$3,226/mo
Income starts
Age 66
Your offer vs. #1
Your offer
As you were quoted
#5 of 10
$3,226/mo
Best match
From carrier data
#1 of 10
$3,679/mo
Your quoted number stays labeled as user-provided. The ranked field comes from live carrier data and the modeling engine.
Sample output
See the kind of report before you pay.
The sample pages show the expected output format: carrier names, rates, tables, charts, and notes that trace back to the submitted scenario.
Income comparison page
Top FIA income candidates with carrier names, rider variant, payout rate, income base, projected account value, and a year-by-year income table.
MYGA ladder page
A five-rung MYGA ladder using real carriers, rates, maturity values, interest, and liquidity timing for the same premium and state.
Top guaranteed-rate page
The same persona ranked by current MYGA rates by carrier, product, rating, and term.
What you get
Everything to walk in informed.
The report is built for the exact moment before a buyer signs: compare the offer, understand the tradeoffs, and leave with better questions.
Ranked carrier options
A plain ranking of products that fit your facts, including your offered annuity when you know it.
Income comparison table
Side-by-side income mechanics so you can see how the options differ before you sign.
MYGA benchmark
A safe-growth reference point so an income product is not compared in a vacuum.
Rider mechanics
Clear notes on deferral, withdrawals, fees, guarantees, and what can change later.
Before-you-sign review
The parts of the offer to re-check before a free-look period or application deadline.
Questions to ask
A short meeting checklist you can bring to your agent, spouse, or another professional.
How it works
Three steps. Survey first.
No contact info before the survey. After your comparison is built, choose the $75 instant report or review it free with a pre-vetted advisor.
01
Take the survey
Free, one question at a time. It adapts around needs, timing, and any offer you know.
02
We build your comparison
Your answers shape the comparison; the numbers come from live carrier data and the modeling engine.
03
Choose your next step
Unlock the full report for $75 or review it free with a pre-vetted advisor.
Plain terms
Useful, neutral, and honest about what it is.
Why is it unbiased?
We do not sell annuities from this page, and your information is not sent to an agent unless you choose the advisor-review path.
Is the AI guessing?
No. The survey helps with the needs analysis; report numbers come from carrier data and modeling logic, with the rate date shown.
Can I still talk to my agent?
Yes. Bring the report and ask for the top-ranked fit first. The goal is understanding, not avoiding every professional conversation.
Is this financial advice?
No. It is an educational comparison based on your answers and current product data. It is not investment, tax, or legal advice.
Before you sign
Start free. Decide after the survey.
Answer the questions first. Then choose whether you want the $75 self-directed report or a free review with a pre-vetted advisor.
Start the free survey
Educational report. Not financial, tax, or legal advice.