The Record
In their own words.
Letters, phone calls, and on-camera interviews from the people who've actually used this site to buy, refinance, or walk away from an annuity. Names shortened for privacy. Otherwise unedited.
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※ Editorial note
Letters are reproduced from email and recorded calls with permission. Full names, contracts, and carriers on file. We do not pay for testimonials, ever.
Featured letter
“I'd spent six weeks reading brochures before a friend sent me here. Forty minutes on this site told me what six weeks of sales calls couldn't.”
Margaret H.
Sarasota, FL · March 2026
Compared 11 FIA contracts · Chose a 7-year Athene Agility
Dispatches from the mailbag
Six entries · 2025 – 2026
MYGA · 5-year
February 2026
Re: Refinanced an old annuity
The side-by-side of my existing contract vs. the current crop of MYGAs was blunt. I was leaving 1.4% on the table. Annuity Atlas just showed me the math — the exchange paperwork was handled by the carrier.
Income · $450K
January 2026
Re: Built a retirement income floor
My advisor had been pushing one specific product for two years. Annuity Atlas ran the numbers on four comparable income annuities. Two of them paid $480 more per month for the same premium. That difference funds our travel.
FIA · 10-year
November 2025
Re: First-time annuity buyer
I'm a retired engineer. Every other site either oversimplified or buried me in jargon. The caps, spreads, and participation-rate breakdowns here are exactly what I needed. I made the call with my eyes open.
Second opinion
October 2025
Re: Verified an advisor recommendation
I didn't buy through them. I used the research to grill my CFP, who thankfully had done her homework. Worth every minute, even though Annuity Atlas earned nothing from my visit.
RILA · $280K
September 2025
Re: Moved from a variable annuity
The 'should I replace?' tool told me the truth my current advisor wouldn't: my old VA's M&E fee was eating the growth. Traded it in for a RILA with a real cap, and the statement is finally moving in the right direction.
Longevity · age 71
August 2025
Re: Deferred income annuity (DIA)
A deferred income annuity was the obvious answer for me, but no one had ever explained it that way. The section on DIAs was eight minutes of reading that changed a decade of retirement plans.
Section 03 — On camera
Contact sheet — four interviews.
Reel 04 · 21m 32s total
※ Filmed at reader homes · Unscripted · No talent fees
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