Plain-English, analogy-driven guides with the downsides included. No jargon walls, no hype, and a named human reviewing the money-sensitive ones. Browse by topic.
Social Security timing, income floors, longevity, and sequence risk.
BrowseThe rate environment, CD and bond comparisons, and MYGA laddering.
BrowseRMDs, inherited annuities, 1035 exchanges, rollovers, and QLAC rules.
BrowseLife insurance, beneficiaries, estate basics, and final expense.
BrowseAdvisor selection, the CAA designation, fee models, and red flags.
BrowseMonthly commentary on where annuity rates are moving, and why.
BrowseThe honest-educator pieces people come back to. The differentiators live here.
The honest situations where an annuity is the wrong tool.
The pressure tactics and hidden costs to watch for.
Rate, taxes, safety, and liquidity, compared plainly.
A side-by-side of every annuity type in one place.
When protection alone beats protection plus upside.
How to read an insurer's financial strength.
The library is expanding. Guides marked coming soon are being written to the same honest-educator standard.
The newest guides and Rate Watch notes, straight from the editors.
The pros of a MYGA are a fixed rate locked for the full term, no market risk to principal, tax-deferred growth on non-qualified money, and rates…
An annuity rider is an optional contract amendment that adds a feature to a base annuity, usually for an annual charge. The most common are income…
A fixed annuity is an insurance contract that pays a declared interest rate for a set period, with no market risk to principal. The insurer credits…
A variable annuity is a tax-deferred insurance contract whose value rises and falls with investments you select, called subaccounts. It is the only annuity type with…
A deferred annuity is an insurance contract you fund now and collect from later. Money grows tax-deferred during an accumulation phase that can last years or…
A RILA, or registered index-linked annuity, is an insurance contract whose growth tracks a market index with a defined amount of downside protection built in. A…
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