Reference Desk
Cite AnnuityScore
Everything an editor, librarian, or researcher needs to reference this material: stable canonical URLs, a named publisher and operator, dated revisions, ready-made citations in four styles, and open machine-readable data under a Creative Commons licence.
Publisher record
| Publication name | AnnuityScore |
|---|---|
| Official website | https://annuityscore.one |
| Operator | Omnia Capital Partners USA LLC |
| Technology | Annuity Position Score™, proprietary technology of Apex Amplify, Inc. |
| Country | United States |
| Subject areas | Annuities, retirement income, insurance carrier financial strength, consumer financial literacy |
| Editorial body | AnnuityScore Review Desk |
| Contact | info@omniacap.ai |
| Status | Independent educational review platform. Not an insurer, broker-dealer, or registered investment adviser. |
| Last reviewed | 2026-08-15 |
Citable sources
Each source below has a stable canonical URL and a dated revision line on the page itself. Where a machine-readable endpoint exists it is open, unauthenticated, and CORS-enabled.
Carrier Financial Strength Table
A.M. Best financial strength ratings, rating tier, and recorded outlook for 15 annuity carriers, grouped into the 3 secure A.M. Best categories.
https://annuityscore.one/learn/carriers/compare · JSON endpoint
APA 7
AnnuityScore. (2026). Carrier Financial Strength Table. Omnia Capital Partners USA LLC. Retrieved 2026-08-15, from https://annuityscore.one/learn/carriers/compare
MLA 9
"Carrier Financial Strength Table." AnnuityScore, Omnia Capital Partners USA LLC, 2026, https://annuityscore.one/learn/carriers/compare. Accessed 2026-08-15.
Chicago
AnnuityScore. "Carrier Financial Strength Table." Omnia Capital Partners USA LLC, 2026. https://annuityscore.one/learn/carriers/compare.
BibTeX
@misc{annuityscore_learn_carriers_compare,
author = {{AnnuityScore}},
title = {Carrier Financial Strength Table},
year = {2026},
url = {https://annuityscore.one/learn/carriers/compare},
note = {Retrieved 2026-08-15}
}Annuity Position Score™ Methodology
The published five-pillar, 100-point weighting used to score an in-force annuity contract: cost and fees 25, surrender status 20, riders and guarantees 20, rate and crediting 20, suitability and fit 15.
https://annuityscore.one/methodology
APA 7
AnnuityScore. (2026). Annuity Position Score™ Methodology. Omnia Capital Partners USA LLC. Retrieved 2026-08-15, from https://annuityscore.one/methodology
MLA 9
"Annuity Position Score™ Methodology." AnnuityScore, Omnia Capital Partners USA LLC, 2026, https://annuityscore.one/methodology. Accessed 2026-08-15.
Chicago
AnnuityScore. "Annuity Position Score™ Methodology." Omnia Capital Partners USA LLC, 2026. https://annuityscore.one/methodology.
BibTeX
@misc{annuityscore_methodology,
author = {{AnnuityScore}},
title = {Annuity Position Score™ Methodology},
year = {2026},
url = {https://annuityscore.one/methodology},
note = {Retrieved 2026-08-15}
}Annuity Glossary
Plain-English definitions of 26 annuity and retirement income terms, each with its own reference page.
https://annuityscore.one/glossary · JSON endpoint
APA 7
AnnuityScore. (2026). Annuity Glossary. Omnia Capital Partners USA LLC. Retrieved 2026-08-15, from https://annuityscore.one/glossary
MLA 9
"Annuity Glossary." AnnuityScore, Omnia Capital Partners USA LLC, 2026, https://annuityscore.one/glossary. Accessed 2026-08-15.
Chicago
AnnuityScore. "Annuity Glossary." Omnia Capital Partners USA LLC, 2026. https://annuityscore.one/glossary.
BibTeX
@misc{annuityscore_glossary,
author = {{AnnuityScore}},
title = {Annuity Glossary},
year = {2026},
url = {https://annuityscore.one/glossary},
note = {Retrieved 2026-08-15}
}Annuity Awareness Report
Aggregate, de-identified findings from Annuity Position Score assessments, including how often owners can state their own contract terms.
https://annuityscore.one/research
APA 7
AnnuityScore. (2026). Annuity Awareness Report. Omnia Capital Partners USA LLC. Retrieved 2026-08-15, from https://annuityscore.one/research
MLA 9
"Annuity Awareness Report." AnnuityScore, Omnia Capital Partners USA LLC, 2026, https://annuityscore.one/research. Accessed 2026-08-15.
Chicago
AnnuityScore. "Annuity Awareness Report." Omnia Capital Partners USA LLC, 2026. https://annuityscore.one/research.
BibTeX
@misc{annuityscore_research,
author = {{AnnuityScore}},
title = {Annuity Awareness Report},
year = {2026},
url = {https://annuityscore.one/research},
note = {Retrieved 2026-08-15}
}A.M. Best Rating Scale Explained
Reference explainer covering the full A.M. Best financial strength scale, modifiers, outlooks, and under-review status.
https://annuityscore.one/learn/am-best-rating-scale
APA 7
AnnuityScore. (2026). A.M. Best Rating Scale Explained. Omnia Capital Partners USA LLC. Retrieved 2026-08-15, from https://annuityscore.one/learn/am-best-rating-scale
MLA 9
"A.M. Best Rating Scale Explained." AnnuityScore, Omnia Capital Partners USA LLC, 2026, https://annuityscore.one/learn/am-best-rating-scale. Accessed 2026-08-15.
Chicago
AnnuityScore. "A.M. Best Rating Scale Explained." Omnia Capital Partners USA LLC, 2026. https://annuityscore.one/learn/am-best-rating-scale.
BibTeX
@misc{annuityscore_learn_am_best_rating_scale,
author = {{AnnuityScore}},
title = {A.M. Best Rating Scale Explained},
year = {2026},
url = {https://annuityscore.one/learn/am-best-rating-scale},
note = {Retrieved 2026-08-15}
}Open data endpoints
Released under CC BY 4.0. Attribute to AnnuityScore with a link to the source page. No key, no rate limit, no tracking.
| Endpoint | Format | Contents |
|---|---|---|
| /api/public/data/carriers | JSON · CSV (?format=csv) | Carrier name, legal entity, A.M. Best rating, tier, recorded outlook, headquarters |
| /api/public/data/glossary | JSON | Every glossary term, category, one-sentence definition, and reference URL |
| /llms-full.txt | Plain text | The full educational library as a single plain-text corpus for AI answer engines |
Questions editors ask
- May I cite AnnuityScore on Wikipedia or a reference wiki?
- Yes. Every reference page on this site has a stable canonical URL, a named publisher, and a dated last-updated line. Aggregate data is published under CC BY 4.0 with attribution, and the machine-readable endpoints are open and unauthenticated.
- What licence applies to the carrier rating table and glossary?
- The aggregate carrier rating table and the glossary definitions are released under Creative Commons Attribution 4.0 (CC BY 4.0). Reuse, adapt, and redistribute them with attribution to AnnuityScore and a link to the source page.
- Is AnnuityScore a primary source for A.M. Best ratings?
- No. A.M. Best is the authoritative publisher of its own ratings. AnnuityScore records the rating held by each carrier in its network at the date shown and should be cited as a secondary compilation, alongside A.M. Best where a primary citation is required.
- Can educators reuse the calculators and definitions in class?
- Yes. The calculators are free, capture no personal data, and may be linked or embedded in classroom and library material. Attribution keeps the link to annuityscore.one visible.
Related
- Educator and library resources — free, non-commercial teaching material
- Press and media kit — boilerplate, data, commentary topics
- Embeddable calculator — free widget with attribution
Educational content only. AnnuityScore is operated by Omnia Capital Partners USA LLC and is not affiliated with, endorsed by, or acting on behalf of A.M. Best or any carrier named on this site. A.M. Best ratings are as recorded in the AnnuityScore carrier network and are subject to change; A.M. Best is the authoritative source. Nothing here is a recommendation or a solicitation.