Your Annuity
Comparison Scorecard

What matters most to you in retirement?

Select your top 3 priorities. These will weight your scorecard results.

When do you need income from this money to start?

Different annuity types are built for different timelines. This is the single biggest differentiator.

Which tradeoff makes more sense for your retirement money?

Every annuity type makes a different deal between potential gains and potential losses.

How many years could you realistically set this money aside in exchange for better terms?

Longer commitments generally mean better rates, higher caps, or stronger income guarantees.

When it comes to fees on a financial product, which approach makes more sense to you?

Some annuities charge explicit fees for specific benefits. Others bake costs into lower returns.

What matters most about what happens to this money after you're gone?

Annuity types differ dramatically in how they handle death benefits and heir access.

How do you feel about understanding caps, participation rates, spreads, and crediting methods?

Some annuity types are simple by design. Others offer more features but require more understanding.

How important is it that this money participates in market gains -- even with limits on the upside?

Some types link your returns to a market index. Others ignore the market entirely.

If you were comparing two annuity products, which would you prioritize?

You're buying a 20-30 year promise. The carrier's strength and the contract terms both matter.