Annuities, decoded.
Without the sales pitch.
Independent research, plain-English explanations, and free calculators built for retirees who want to understand annuities before talking to anyone.
Six categories. One clear explanation each.
Principal protection plus a share of index gains. Cap rate, participation rate, and floor explained.
Locked rate for a fixed term. The retirement equivalent of a CD with tax deferral.
Convert a lump sum into guaranteed monthly income that starts now.
Pay today, collect a higher income later. The longevity insurance play.
Subaccounts tied to market performance with optional income riders.
Use IRA funds to defer income past 73 and reduce required minimum distributions.
Snapshot of the rate environment that drives annuity pricing. Treasury yields directly affect MYGA rates and FIA cap rates. Fed cut probability shapes near-term rate expectations. MYGA and SPIA values are industry averages updated weekly. Verify any specific carrier quote against current rate cards.
Run your own numbers first.
Free, no login, no email gate. Each calculator uses publicly available industry averages with full source disclosure. The output is a starting point, not a quote.
Browse all calculators →Lump sum to monthly income, based on age and payout type.
Project a 10-year range of outcomes using historical S&P data.
Penalty cost of an early withdrawal, year by year.
How much guaranteed income you need to fully cover monthly expenses.
Rate data refreshed weekly.
We track the average rate, range, and 12-month trend across MYGA and FIA products from the carriers we profile. The dataset feeds calculators, articles, and the carrier directory.
- MYGA averages by term length (2, 3, 5, 7, 10 year)
- FIA cap rates by index and crediting method
- SPIA monthly income by age cohort
Long-form. Sourced. Built to be the last article you read.
A complete primer for retirees evaluating annuities for the first time.
A step-by-step buying process, from quote to issue date.
Every fee category, what is fair, and what to push back on.
We do not sell annuities. That is the point.
AnnuityMatchPro is an educational resource. We do not issue, sell, or recommend specific products. When you ask, we connect you with licensed independent advisors who can shop carriers on your behalf. There is no obligation. There is no pressure.
Prospectuses, NAIC filings, A.M. Best, SSA, FRED, S&P. Cited on every page.
We never accept payment for ranking, placement, or coverage of any specific product.
Carrier profiles refresh every quarter. Articles bear a "Last reviewed" date.
Corrections are noted publicly on the affected page. Errors can be reported via the contact form.
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