How does the annuity comparison tool work?
Pick one annuity on the left and another on the right. The tool lines up the terms from our reviews, row by row: product type, surrender period and charges, minimum premium, issue ages, bonuses, income riders and their fees, free withdrawals, market value adjustment, death benefit and where each is sold, plus the AM Best rating of the company that issues it. A dash means our review does not list that term for the product. Rates and terms change and vary by state, so a licensed strategist confirms today's numbers for your state before you buy.
How to read a side-by-side comparison
Start with the company. The AM Best rating at the top of each column tells you how strong the insurer behind the guarantee is, and most buyers look for A- or better on a long-term contract.
Then look at how long your money is committed. The surrender period is how many years a withdrawal above the free amount carries a charge, and the charge schedule shows what that charge is in each year. A longer period often comes with a bigger bonus or higher crediting rates, so the two rows are worth reading together.
Next, bonuses and fees. A premium bonus adds to your account value on day one but usually vests over time. An income bonus or roll-up only raises the base used to calculate lifetime income, not the money you can walk away with. A rider fee is charged every year, so a small percentage adds up over a 10 or 15 year term.
Finally, access to your money: the free withdrawal amount, whether a market value adjustment applies, and how the death benefit works.
What this tool does not show
It does not show today's exact rate for your state, age and deposit, because those change often and differ by state. Get a free quote and a licensed strategist will line up current numbers for the products you are comparing.
Frequently asked questions
Where do the numbers come from?
From our published review of each product, which cites the carrier's product guides, brochures and rate sheets and shows the date each rate was effective. Open the full review from the top of each column to see the sources.
Why is a row blank for one product?
Products are built differently. A MYGA has no income rider and a pure accumulation contract may have no bonus, so a dash usually means the feature does not exist or our review does not list it.
Which annuity is better?
It depends on what you want the money to do. A MYGA suits a guaranteed rate for a set term, a fixed index annuity suits market-linked growth with a 0% floor, and an income-focused contract suits guaranteed lifetime income. The side-by-side view shows the trade-offs; a strategist can run real quotes for your age, state and amount.
Can I compare more than two?
The tool compares two at a time so the table stays readable on a phone. Change either side as often as you like, and share the page link to keep a comparison.
Educational only, not investment, tax or legal advice. Tax Free Wealth Plan LLC is a licensed insurance agency, not a registered investment adviser or broker-dealer. Annuities are not bank deposits, are not FDIC insured and are not guaranteed by any government agency. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. Features, rates and availability vary by state and change over time; the contract and disclosure documents govern.