Know exactly where your annuity stands.
A free, institutional-grade read on the annuity you already own — what it costs you, what guarantees you hold, and whether it still fits your retirement. Including when the right move is to keep it.
No policy number or personal data required to start.
- Free
- Confidential
- No policy number to start
- Under 3 minutes
- No obligation
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Your guarantees are worth keeping; your crediting rate lags today's market. Worth a specialist review — not an automatic switch.
Keep it — your contract is competitive and your riders are valuable.
Three things every annuity holder deserves to know.
Know What You Own
See your true cost, your guarantees, and where you sit in your surrender schedule.
Get My Free ScoreKnow Your Options
If a change fits, you see it with full disclosure; if not, you keep it.
Get My Free ScoreWhat your annuity statement doesn't tell you.
Statements show account value and recent activity. They rarely show whether your contract is still competitive, your riders are replaceable, or a move would cost more than it helps.
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.
Check your positionWhat 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.
Check your positionWhere 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.
Check your positionHow 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.
Check your positionWhether 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.
Check your positionHow 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.
Check your positionFour steps to clarity.
No policy number is required to start. You get an instant score, a specialist review, and a report that tells you when to keep your contract — not just when to consider a change.
AI-Powered Assessment
Answer a few questions, get an instant Annuity Position Score.
Licensed Specialist Review
A licensed annuity professional reviews your inputs and flags what matters most.
Your Position Report
Plain-English breakdown across all five pillars, including the scenarios where keeping it is the right answer.
Your Options, No Pressure
If a change makes sense, you see it with full surrender and rider disclosure. If not, you're told to keep it.
Five pillars. One clear position.
Your report shows where you stand on each pillar and what — if anything — a licensed specialist would review. Every replacement scenario includes full surrender-charge and lost-rider disclosure before you consider a single move.
Cost & Fees
Total fee load including M&E, admin, rider, and sub-account charges against current market alternatives.
Surrender
Years remaining in the surrender schedule and the current charge percentage.
Riders
GLWB, GMIB, and death-benefit guarantees in force and their replacement cost.
Rate & Crediting
Current credited rate, cap, and participation compared to live MYGA and fixed-indexed benchmarks.
Suitability & Fit
Income timing, liquidity need, qualified vs. non-qualified status, and RMD posture.
- Crediting rate lags current MYGA market.
- Living-benefit rider is valuable and in force.
- Surrender schedule has years remaining.
This is a sample. Get your personalized score in 3 minutes.
Get My Free ScoreScoring methodology built on the standards regulators use.
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.
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 under three minutes.
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.
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.
What's in the report.
Six components in your Annuity Position Report — the read a licensed specialist works from. Plain English throughout. No dollar projections. No pressure to change anything.
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.
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.
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.
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.
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.
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.
Questions about your annuity position.
Plain-English answers. No dollar projections, no guarantees, no pressure.
- Will you ever tell me to keep my annuity?
- Yes — frequently. A valuable rider or a steep surrender charge often makes keeping your current contract the right call. The score is designed to flag both keep scenarios and review scenarios.
- What is a surrender charge?
- A fee the insurance company charges if you withdraw or replace the contract before a set period ends. It usually declines each year until it reaches zero.
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.
See where your annuity stands — in three minutes.
100-point diagnostic — Instant score — No obligation