25 pts
Cost & Fee Load
Mortality & expense (M&E) charges, administrative fees, rider fees, and sub-account or index-spread costs — measured against the live market for comparable contracts today.
Methodology
The Annuity Position Score methodology.
A 100-point diagnostic across five independent pillars. Every option carries an explicit point value — the score is deterministic, not AI-generated. Scoring is built on the standards regulators use: NAIC Suitability (Model #275), state insurance departments, DOL best-interest, FINRA Rule 2330, IRC §1035, and SEC disclosure regimes.
20 pts
Surrender Status
Years remaining on the surrender schedule and current surrender charge percentage. A steep surrender charge is protective: it pulls the score toward KEEP because moving early can cost more than it saves.
20 pts
Riders & Guarantees
Value of any GLWB, GMIB, or death-benefit rider in force, including whether the guaranteed income base is meaningfully higher than the contract value. A valuable rider is protective: it pulls the score toward KEEP.
20 pts
Rate & Crediting
Credited rate, cap, participation rate, or crediting method compared to today's MYGA and FIA benchmarks — and how recently your terms were reset.
15 pts
Suitability & Fit
Income timing, qualified vs. non-qualified status, RMD posture, and near-term liquidity needs against the shape of the contract you own.
Total: 100 points. Two of the five pillars — Surrender Status and Riders & Guarantees — are protective. A valuable living-benefit rider or a steep surrender charge can, and often should, keep your score high. The Annuity Position Score is a diagnostic, not a switch machine.
The four bands
Score
80 – 100
Well-Positioned
Keep it. Your contract is competitive and your guarantees appear valuable.
Score
60 – 79
Generally Sound
A specialist review can confirm whether adjustments are worth exploring — not an automatic change.
Score
40 – 59
Review Warranted
Several pillars flag areas worth a licensed review, with full surrender-charge and rider disclosure.
Score
0 – 39
Significant Gaps
Multiple pillars fall below current market — a specialist review is strongly indicated.
Important
The Annuity Position Score is an educational tool. It is not a recommendation to buy, sell, surrender, or replace any annuity. If a change is worth considering, a licensed annuity professional performs the actual review and provides any advice — with full surrender-charge and rider disclosure. Do not surrender or stop payments on any annuity based on this platform without first consulting a licensed professional in your state.