Every annuity is a trade: a lump sum today for income later. We show you the math on both sides of the ledger — the payout, the fees, the surrender charges, and the guarantee you're actually buying — in plain English, without the sales pitch.
Current SPIA, MYGA and fixed-index rates, updated and sourced. What "guaranteed" pays this week.
View rates →Payout, lump-sum-vs-annuity, and the lottery annuity math. Disclosed assumptions, no recommendation.
Run the math →Immediate, deferred, fixed, fixed-index, variable, QLAC — what each actually is, plainly.
Compare types →The fees, the surrender charges, the commission incentives — the catch the sales channel underplays.
Read the ledger →Access your money early and a schedule bites — one retiree paid $6,800 to touch $24,000. We publish the schedules.
The guarantee is often on an income base, not your account value. Different number. We show which is which.
Who gets paid what when you sign — and how it steers the recommendation you're handed.