The fine print, in plain English.

Annuity Atlas, LLC publishes editorial research on annuity products. The Site is owned and operated by Christian Luna, a licensed insurance producer.

Annuity Atlas, LLC is not an investment adviser, a broker-dealer, or an insurance company, and nothing on this site is investment advisory services. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.

Annuity Atlas, LLC is not an insurance company, a broker-dealer, or a law firm. Annuity Atlas, LLC publishes editorial research on annuity products. Nothing on this site is personalized investment, tax, legal, or insurance advice, and nothing here is an offer to sell or a solicitation to buy any contract. A recommendation to purchase a specific annuity can only be made by a licensed insurance professional after reviewing your individual circumstances, as state suitability and best-interest rules require.

How we make money. Licensed insurance professionals affiliated with this site are paid a commission by the issuing insurance company when an annuity is purchased. We are paid when you buy and paid nothing when you don't, and commission amounts differ by product and by carrier. You pay us nothing directly. Our editorial ratings follow a published methodology and are not adjusted for compensation. You are always free to purchase through any licensed professional you choose, and product pricing is set by the carrier — but you should weigh this conflict when reading anything on the Site.

Annuity guarantees are backed solely by the claims-paying ability of the issuing insurance company. Annuities are not deposits, are not insured by the FDIC or any federal government agency, and are not guaranteed by any bank. Rates, caps, spreads, participation rates, and fees change without notice and vary by state, age, and premium amount.

Figures shown are quoted from carrier-filed rates as of the stated date under the stated inputs (age, premium, state, single or joint life, and deferral period). They are not projections, estimates of market performance, or a promise of future results. Your actual contract values depend on the terms of the policy the carrier issues to you. Live rate data refreshes nightly but can still lag carrier changes. Always review the issuing carrier's disclosure documents and consult a qualified licensed professional before making any purchase decision. For more on how we operate, see our editorial standards.