01
Income Need & Timing
Whether you want income now, later, or perhaps never—and whether that timing matches an annuity's long-term structure.
ABOUT 60 SECONDS · NO COST · NO OBLIGATION
Know where you stand before you keep, change, or buy an annuity.
Choose the path that describes you and get a personalized score before making your next decision.
No cost · No obligation
Sample
Confidential
Annuity Position Score
72/ 100
Cost & Fees16/25
Surrender Status18/20
Riders & Guarantees15/20
Rate & Crediting12/20
Suitability & Fit11/15
Sample owner result: the guarantees are worth keeping; the crediting rate lags today's market. Worth a specialist review — not an automatic switch.
Sample
Confidential
Annuity Fit Score
74/ 100
LIKELY FIT
Sample shopper result: an annuity could fit, but the timing and funding details need a closer look before any product conversation.
Why It Matters
Three things anyone weighing an annuity deserves to know.
Know What's Actually On The Table
Owners see true cost, guarantees, and surrender status. Shoppers see whether an annuity fits the need at all.
See Where I StandKnow Where You Stand
Five independent pillars turn a complicated picture into one score you can act on.
See Where I StandKnow Your Options
If a move fits, you see it with full disclosure. If keeping what you have — or buying nothing — is better, we say that.
See Where I Stand§ 01 · What Nobody Spells Out
What the paperwork doesn't tell you.
Statements show account value; sales illustrations show the best case. Neither tells an owner whether the contract is still competitive, or tells a buyer whether an annuity fits the need at all. That is the gap these five pillars close. The pillars below are the owner review; if you're considering an annuity, the fit assessment uses its own five.
Cost & Fees
What you're really paying
Layered fees rarely appear as one number on your statement. Mortality & expense charges, administrative fees, rider costs, and sub-account expenses are often shown separately — or not at all. We add them up so you see the true annual drag on your contract, then compare it to what a comparable product costs today.
See where you standRiders & Guarantees
What your guarantees are worth
A living-benefit rider you already paid for is often the reason to stay. Guaranteed lifetime withdrawal benefits, income riders, and enhanced death benefits carry real value that rarely appears on a statement. We measure what your in-force guarantees would cost to replace on a new contract today — and flag when keeping them is the sensible call.
See where you standSurrender Status
Where you are in the surrender schedule
Moving too early can cost more than it saves. We map your current surrender charge percentage, the years remaining on the schedule, and your annual free-withdrawal allowance. If a steep penalty is still in force, staying put is often the better math — and we say so plainly.
See where you standRate & Crediting
How your crediting compares today
Caps, participation rates, and MYGA yields reset over time, and the broader rate environment has moved substantially since many contracts were issued. We compare your current crediting parameters to today's MYGA rates, fixed-indexed annuity caps, and Treasury benchmarks so you can see whether your contract is keeping pace.
See where you standSuitability & Fit
Whether it still fits your income timeline
The right product at 55 may not fit at 70. We check when you actually need income, your liquidity needs for the next five years, your RMD posture on qualified money, and how the contract sits alongside the rest of your retirement plan. Fit changes with time — and so should the read on your contract.
See where you standTax Posture
How taxes will hit when you withdraw
Statements rarely show your cost basis, the taxable portion of a withdrawal, or how a 1035 exchange preserves tax deferral. We flag whether the contract is qualified or non-qualified, how gains would be taxed on distribution, and whether a replacement can be done without triggering current-year income tax.
See where you stand§ 02 · The Path Forward
Four steps to clarity.
No policy number or account number is needed to start. You get an instant score and a report that explains where you stand. When you complete the form, you choose whether we may contact you by checking the consent box.
01about a minute
Complete Your Assessment
Answer a short set of questions matched to your situation — a Position Score if you own an annuity, or a Fit Score if you're considering one.
02instant
Receive Your Report
Your score and plain-English five-pillar breakdown open as soon as you finish. Your private link lets you return later.
03with consent
Licensed Specialist Follow-Up
When you complete the form and check the consent box, a licensed insurance specialist in your state may review your answers and contact you about your results.
04your pace
Understand Your Options
Move at your own pace. Keeping what you have, waiting, or buying nothing can all be valid outcomes.
Considering an annuity?
See whether an annuity fits your retirement plan.
The Annuity Fit Score reviews five considerations before any product discussion. It does not recommend a purchase; it shows what supports a conversation, what needs caution, and when waiting or buying nothing may be reasonable.
02
Liquidity & Access
How much flexibility you may need and whether you have separate emergency savings before committing money for several years.
03
Risk Fit
How your comfort with market movement, principal protection, and tradeoffs aligns with the role an annuity could play.
04
Tax & Funding Structure
Where the money would come from and what that means for tax deferral, transfers, and the questions a licensed professional should verify.
05
Plan Integration
How a possible annuity fits alongside Social Security, pensions, investments, cash reserves, and the income you already have.
What you receive
Answer 9 questions in about 1 minute. You receive an instant 0–100 Fit Score, five-pillar breakdown, personalized watchouts, questions for a specialist, and a private report you can revisit. No policy number or account number is needed.
There is no cost or obligation. If you check the consent box, a licensed insurance specialist in your state may contact you about your results. Buying nothing can be the right conclusion.
§ 03 · Your Annuity Position
Five pillars. One clear position.
Your report shows where you stand on each pillar and what — if anything — a licensed specialist would review. Owners are scored on the contract they hold; people considering one are scored on fit, timing, and liquidity. Every replacement scenario includes full surrender-charge and lost-rider disclosure before you consider a single move.
25 pts
Cost & Fees
Total fee load including M&E, admin, rider, and sub-account charges against current market alternatives.
20 pts
Surrender
Years remaining in the surrender schedule and the current charge percentage.
20 pts
Riders
GLWB, GMIB, and death-benefit guarantees in force and their replacement cost.
20 pts
Rate & Crediting
Current credited rate, cap, and participation compared to live MYGA and fixed-indexed benchmarks.
15 pts
Suitability & Fit
Income timing, liquidity need, qualified vs. non-qualified status, and RMD posture.
Sample
Confidential
Annuity Position Intelligence Report
72/ 100
GENERALLY SOUNDCost16/25
Surrender18/20
Riders15/20
Rate12/20
Fit11/15
Top 3 observations
- Crediting rate lags current MYGA market.
- Living-benefit rider is valuable and in force.
- Surrender schedule has years remaining.
This is a sample owner report. Get your own read in about a minute — own one or considering one.
See Where I Stand$434.1B
Total U.S. individual annuity sales in 2024 — an all-time record
Source: LIMRA, FY2024
$1.1T
Combined sales across three consecutive record years, 2022–2024
Source: LIMRA, FY2024
$126.9B
Fixed indexed annuity sales in 2024, up 32% year over year
Source: LIMRA, FY2024
$65.6B
Registered index-linked annuity sales in 2024, up 38% year over year
Source: LIMRA, FY2024
All figures from LIMRA's U.S. Individual Annuity Sales Survey, full-year 2024 (final results, representing 92% of the U.S. annuity market). View the source release. Market-level figures only; they are not a projection for any individual contract.
Scoring methodology built on the standards regulators use.
NAIC (Suitability Model #275)
State Depts. of Insurance
DOL (best-interest)
FINRA (Rule 2330)
IRS (Section 1035 exchange)
SEC
NAIC (Suitability Model #275)
State Depts. of Insurance
DOL (best-interest)
FINRA (Rule 2330)
IRS (Section 1035 exchange)
SEC
§ 04 · The Engine
Built to read your annuity like a specialist would.
Three layers: a regulated scoring framework, an AI trained on annuity contracts and market rates, and a nationwide network of licensed reviewers who handle anything that needs human judgment.
01
Annuity Position Score
A proprietary scoring framework, powered by Apex Amplify, Inc. and licensed exclusively to Omnia Capital Partners USA LLC. Evaluates five independent pillars in about a minute.
02
Sage, your annuity position analyst
An AI advisor trained on annuity contract structures, NAIC suitability standards, and live market rate benchmarks; cross-references your inputs against current rates in real time.
Sage is an AI tool, not a licensed professional, and may contain inaccuracies.
03
Licensed specialists, nationwide
When the score flags something worth reviewing, a licensed annuity professional performs the actual review and provides any advice. The site itself never gives advice.
§ 06 · What You Get
What's in the report.
Six components in the owner's Annuity Position Report — the read a licensed specialist works from. People considering an annuity get the Fit Score read instead: buyer type, guarantee gap, and the five fit pillars. Plain English throughout. No dollar projections. No pressure.
01
Your Annuity Position Score
A single 0–100 number and band — Well-Positioned, Generally Sound, Review Warranted, or Significant Gaps — so you know at a glance where your contract stands.
02
Five-Pillar Breakdown
Sub-scores for Cost & Fees, Surrender Status, Riders & Guarantees, Rate & Crediting, and Suitability & Fit — with a plain-English note on each pillar.
03
Cost & Fee Read
M&E, admin, rider, and sub-account or spread costs surfaced as a single all-in number — the layered fees that rarely appear on your statement in one place.
04
Rider & Surrender Snapshot
The living-benefit or death-benefit rider you already paid for, its value in force, plus where you sit in your surrender schedule and what leaving early would cost.
05
Live Market Benchmark
Your credited rate, cap, or participation compared against current MYGA and FIA benchmarks — so you see whether today's market has moved past your contract or not.
06
Keep-or-Review Recommendation
A written, plain-English recommendation from a licensed specialist — often to keep the contract. If a 1035 exchange or replacement is worth considering, you see it with full disclosure.
§ 07 · Frequently Asked
Questions about annuities, either way.
Plain-English answers. No dollar projections, no guarantees, no pressure.
- How do I know if an annuity is right for me?
- An annuity may be worth discussing when guaranteed income, principal protection, or tax deferral matches a clear need and you can leave the money committed for the contract period. Liquidity, timing, risk preferences, funding source, and how the annuity fits the rest of your retirement plan all matter. The Annuity Fit Score organizes those considerations; a licensed professional makes any suitability determination.
- When might waiting or buying nothing be the better outcome?
- Waiting or buying nothing may be reasonable when you need near-term access to the money, do not have separate emergency reserves, are still unclear about the goal, or already have enough guaranteed income. A Fit Score can surface those conflicts before a product conversation begins.
- What should I ask before buying an annuity?
- Ask how long your money is restricted, how much you may withdraw without a charge, what is guaranteed versus illustrated, what fees or spreads apply, how income is calculated, what happens at death, and how the annuity coordinates with your other retirement income and liquid savings.
- Will someone call me?
- When you complete the form, you choose whether to be contacted by checking the consent box — nothing is submitted without it. If you do, a licensed insurance professional may call you about your results and related insurance products. AnnuityScore may also send follow-up emails about your results. There is no cost and no obligation, and you can ask us to stop at any time.
- Is my information sold?
- We are not an insurer or a broker. Your results are shared with a licensed insurance professional who may call you if you consented — that is how the service stays free to you. AnnuityScore may also send follow-up emails about your results. We do not sell your information to advertisers or data brokers, and we never publish it.
A Second Opinion, In Writing
What people say after their review.
"I filled out the form not really knowing what to expect. The report walked through my contract in plain English and confirmed that keeping it was the right call for me — no pressure, no push to switch."
"A specialist actually took the time to go over each pillar with me. I finally understood what I owned and what my riders were worth. It was the second opinion I'd been looking for."
Testimonials reflect individual experience and are not a guarantee of any particular outcome. Individual results depend on your actual contract, carrier, and circumstances.
Your result may tell you…
Examples only. Not a recommendation for your specific contract or situation.
Keep what you have
Your guarantees or existing benefits may be worth protecting.
Review specific concerns
Costs, surrender terms, income features, or fit may deserve a closer look.
Do not rush into a purchase
Waiting or buying nothing can be a reasonable outcome.
See where you actually stand — in about a minute.
100-point diagnostic — Instant score — No cost, no obligation