Important disclosures

Educational resource only

AnnuityMatchPro is an educational resource. The content on this site is provided for informational and educational purposes only. It is not intended as, and should not be construed as, financial, investment, tax, legal, or insurance advice. Reading this site does not create any advisor-client, attorney-client, or fiduciary relationship between you and AnnuityMatchPro or anyone affiliated with it.

Not a registered investment adviser

AnnuityMatchPro is not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities regulator as an investment adviser, broker-dealer, or registered representative. We do not provide personalized investment recommendations. We do not manage assets. We do not custody funds.

Not a licensed insurance agency

AnnuityMatchPro is not a licensed insurance agency, producer, or broker. We do not sell, solicit, negotiate, or issue insurance contracts of any kind, including annuities. We do not earn commissions from the sale of insurance products. When a reader requests to be connected with a licensed insurance professional, the introduction is to an independent third party who is separately licensed and regulated.

No endorsement of products or carriers

This site discusses specific annuity carriers, product categories, and named products for educational purposes. Discussion of a carrier or product does not constitute endorsement, recommendation, or assurance of suitability. Carrier financial strength ratings, product features, premium amounts, surrender schedules, cap rates, participation rates, rider charges, and other contract terms change frequently and vary by state. Always verify current terms directly with the issuing carrier or a state-licensed insurance professional before purchase.

Compensation

When a reader voluntarily requests an introduction to a licensed independent insurance professional through this site, the licensed professional may pay AnnuityMatchPro a referral fee or marketing fee. This fee is paid by the licensed professional from their own compensation. The fee does not increase the cost to the consumer. The fee is paid for the introduction only; no specific product purchase is required, and no specific carrier is favored.

The compensation structure means we have a financial interest in connecting readers with licensed professionals. The compensation does not mean we have a financial interest in any specific product, carrier, or sale. We do not receive product-level commissions.

No guarantee of accuracy or completeness

We use reasonable efforts to source content from primary materials (carrier prospectuses, NAIC filings, A.M. Best public ratings, SSA period life tables, Federal Reserve Economic Data, S&P historical index data). However, no warranty or representation is made regarding the accuracy, completeness, or timeliness of any information on this site. Source data, regulations, tax rules, and product features change. The reader is responsible for verifying current information with primary sources before taking action.

No guarantee of outcomes

Annuity product features, rates, and payouts depend on factors that change daily (interest rates, carrier portfolio yield, mortality assumptions, contract terms). Calculators on this site use industry-average inputs documented on each calculator page. Calculator outputs are illustrative only. Actual carrier quotes will differ. Past performance is not indicative of future results. Historical S&P 500 data used in simulations is for illustrative purposes only and does not predict future market behavior.

Tax disclaimers

Tax laws are complex and change. References to federal income tax, state income tax, ordinary income treatment, LIFO ordering, exclusion ratios, the 10% pre-59½ penalty, Required Minimum Distributions, the SECURE Act, the Pension Protection Act, IRC Section 72, IRC Section 1035, and similar provisions reflect general principles as of the date last reviewed. The application to any specific taxpayer depends on individual facts and circumstances. Consult a qualified tax advisor or CPA before relying on tax statements made in this content.

State variation

Insurance regulations, state guaranty association coverage limits, free look periods, and product availability vary by state. Examples used on this site reflect typical industry practice and are not specific to any state. Confirm state-specific rules with the issuing carrier, a state-licensed insurance professional, or the consumer's state department of insurance.

Forward-looking statements

This site contains statements that may be considered forward-looking, including expectations about interest rates, carrier behavior, regulatory changes, and product trends. Forward-looking statements involve known and unknown risks and uncertainties. Actual future events may differ materially. AnnuityMatchPro undertakes no obligation to update any forward-looking statement.

Third-party content

This site may reference, link to, or summarize content from third-party sources (carrier websites, regulatory bodies, ratings agencies, financial publications). AnnuityMatchPro is not responsible for the accuracy, completeness, or availability of third-party content. Inclusion of a reference does not constitute endorsement.

Limitation of liability

To the maximum extent permitted by law, AnnuityMatchPro disclaims all liability for direct, indirect, incidental, consequential, special, or exemplary damages arising from the use of this site or reliance on its content. This includes (without limitation) lost profits, lost savings, financial loss, or any loss alleged to result from reliance on the educational information provided here. The reader's sole remedy for dissatisfaction with this site is to stop using it.

Verification responsibility

The reader is responsible for independently verifying all material information before taking action. Recommended verification sources include: the issuing carrier's product brochure, statement of understanding, and current rate card; carrier financial strength ratings published by A.M. Best, S&P Global Ratings, Moody's Investors Service, and Fitch Ratings; the National Association of Insurance Commissioners; the consumer's state department of insurance; and, for variable annuities, the SEC-registered prospectus.