EDITORIAL COVERAGE
Deep Market Analysis
Grounded, plain-English analysis of annuities and guaranteed retirement income — payout math, current rates, the real trade-offs, and the costs the sales channel underplays.
6 ARTICLES
2026-09-21
Should You Buy a MYGA Now? What Elevated Rates Mean for Your Decision
5-year MYGA rates reached 6.80% in 2026. Before you lock in, here's the real-return math, the break-even calculation for waiting, and five catches your agent won't mention.
2026-09-12
Pension Lump Sum vs. Annuity: Why 2026's Higher Rates Don't Mean More Income
Higher 2026 rates shrink your pension lump sum and lift annuity payouts — they mostly cancel. The real break-even, the one timing window that pays, and when to keep the pension.
2026-09-06
Selling a Structured Settlement: The Discount Rate the Buyers Hope You Never Calculate
Buyers of your structured settlement apply a 9–18% discount rate they never quote. The present-value math, the 40% tax and court rules, and when selling is worth it.
2026-08-30
1035 Exchange: How to Swap an Annuity Without Getting Churned
A 1035 exchange moves an annuity to a new contract tax-free — but it usually resets the surrender clock and pays a new commission. Here's the break-even math.
2026-08-22
Why Are Annuities Considered a Bad Investment?
The 'annuities are bad' label is half-earned. Which criticisms actually hold up, which are myths, and which products deserve the blame — grounded and plain-English.
2026-08-21
Is an Annuity Worth It? An Honest Framework — and the 3 Costs the Pitch Skips
Whether an annuity is worth it comes down to one question. A grounded decision framework: the income-floor test, when it fits, when it doesn't, and the 3 costs the sales pitch skips.
EDITORIAL PROCESS
Every post is grounded in primary sources (SEC/FINRA bulletins, IRS publications, NAIC model regulations), numerically checked, and reviewed against those sources before publication. Read our methodology.