Can a university or library link to these annuity resources?

Yes. The educational pages, glossary, and calculators are free, open, and require no sign-in. They are intended for use as third-party reference material in financial literacy programmes, extension services, and library guides.

Do the classroom calculators collect student data?

No. The calculators run entirely in the browser on values the user types. They set no marketing cookies, store no inputs, and present no lead capture form.

May course material reproduce the glossary definitions?

Yes. The glossary and the aggregate carrier rating table are released under Creative Commons Attribution 4.0. Reproduce or adapt them with attribution to AnnuityScore and a link to the source page.

Is AnnuityScore selling anything to students?

No. AnnuityScore is an educational review platform operated by Omnia Capital Partners USA LLC. It is not an insurer, broker-dealer, or registered investment adviser, and it does not sell insurance products.

How should this material be cited in a syllabus or research paper?

Ready-made APA, MLA, Chicago, and BibTeX citations for each major source are published at annuityscore.one/cite, alongside the open data endpoints and the licence terms.

Financial Literacy Resources

Annuity resources for educators and libraries

Annuities are the least understood contract most retirees will ever sign. This page collects the material on AnnuityScore that is free, open, and safe to link from a course page, an extension programme, or a library research guide — no sign-in, no lead form, no product pitch.

Our commitment to classroom use

—Every calculator and reference page listed here is free and open to the public.
—The calculators capture no personal information — no name, no email, no phone, no lead form.
—The glossary and the carrier rating table are published under CC BY 4.0, so they may be copied into course material with attribution.
—Nothing on this site is a product recommendation, a solicitation, or an offer to sell an insurance product.
—Educators and librarians may link, embed, or reproduce this material without asking permission or being contacted afterwards.

Interactive teaching tools

Annuity payout illustration

Illustrative payout tool for classroom demonstrations of how income assumptions change an outcome. No sign-in, no data capture.

MYGA vs CD comparison

Side-by-side comparison of a multi-year guaranteed annuity against a certificate of deposit, including tax deferral mechanics.

RMD calculator

Required minimum distribution estimate using the IRS Uniform Lifetime Table framework.

Surrender charge estimator

Shows how a declining surrender schedule works across a contract term.

1035 exchange checklist

The questions that should be answered before any annuity-to-annuity exchange is discussed.

Reference material

Annuity glossary — 26 terms

Plain-English definitions, each on its own citable reference page. Open JSON endpoint available.

Carrier financial strength table — 15 carriers

A.M. Best ratings by tier and recorded outlook, with the rating scale explained in plain language.

Annuity Position Score™ methodology

A published, deterministic 100-point framework students can apply to a sample contract.

Learn library

Long-form explainers on annuity types, riders, surrender charges, crediting methods, and 1035 exchanges.

Embed a calculator in your course page

The annuity payout calculator is available as a chrome-free widget that can be dropped into any page with a single iframe. It is free for educational and commercial use alike, and the only condition is that the attribution link stays visible.

Get the embed code

How to cite this material

Formatted APA, MLA, Chicago, and BibTeX citations for every major source, plus the open JSON and CSV endpoints and the CC BY 4.0 licence terms, are published on the citation page.

Citation formats and open data

Questions educators ask

Can a university or library link to these annuity resources?: Yes. The educational pages, glossary, and calculators are free, open, and require no sign-in. They are intended for use as third-party reference material in financial literacy programmes, extension services, and library guides.
Do the classroom calculators collect student data?: No. The calculators run entirely in the browser on values the user types. They set no marketing cookies, store no inputs, and present no lead capture form.
May course material reproduce the glossary definitions?: Yes. The glossary and the aggregate carrier rating table are released under Creative Commons Attribution 4.0. Reproduce or adapt them with attribution to AnnuityScore and a link to the source page.
Is AnnuityScore selling anything to students?: No. AnnuityScore is an educational review platform operated by Omnia Capital Partners USA LLC. It is not an insurer, broker-dealer, or registered investment adviser, and it does not sell insurance products.
How should this material be cited in a syllabus or research paper?: Ready-made APA, MLA, Chicago, and BibTeX citations for each major source are published at annuityscore.one/cite, alongside the open data endpoints and the licence terms.

Educational content only. AnnuityScore is operated by Omnia Capital Partners USA LLC and does not provide insurance, tax, or investment advice. 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.