Find the numbers that matter on your annuity statement and understand what each one actually means — before you make any decision.
No upload required. Nothing on this page is saved or sent. Use it as a quick reference while you have your statement in front of you.
This is the current total value of your annuity account. It is the starting point for most calculations, but it is not always the amount you can walk away with today.
Why it matters: It shows how much is in the contract, but fees, surrender charges, or rider costs may reduce what you actually receive.
This is the amount the insurance company would send you if you fully surrendered or cancelled the contract right now.
Why it matters: It is often lower than the contract value because surrender charges and other fees have not yet been deducted from the headline number.
A schedule showing how much you would pay to withdraw or transfer more than a allowed free amount during each year of the contract.
Why it matters: Knowing when charges end — or decline — helps you avoid an expensive surprise if you move money before the period is over.
A separate value used to calculate guaranteed lifetime withdrawals or income benefits. It is not the same as your cash account value.
Why it matters: A higher income base can mean larger guaranteed withdrawals later, but it usually comes with restrictions and rider fees.
Fees for optional add-ons, often shown as an annual percentage of a base value and deducted from your account value.
Why it matters: Riders can be valuable, but their costs compound over time. Comparing the fee to the benefit helps you judge whether the rider still makes sense.
For indexed annuities, these limits determine how much of an index's growth is credited to your contract.
Why it matters: A low cap or participation rate can meaningfully reduce credited growth in strong markets, even when the index performs well.
The person or people who would receive the contract's death benefit, plus the amount and type of that benefit.
Why it matters: Outdated beneficiaries or a misunderstanding of the death-benefit amount can create real problems for heirs later.
Rules describing how much you can take out each year without a surrender charge, how systematic withdrawals work, and any tax penalties before age 59½.
Why it matters: Taking out too much, too soon, or in the wrong tax year can trigger charges, taxes, or penalties you were not expecting.
Get your free, personalized Position Score. It takes about two minutes and does not require your policy number.
This is an educational tool only. It does not recommend replacing, surrendering, buying, or keeping any specific contract.