About RankMyAnnuity
An independent tool. No sales, no commissions, no agenda.
Why this exists
The annuity industry generates over $400 billion in annual U.S. sales. The tools available to consumers are almost entirely produced by the same companies selling the products — which means they're designed to show you how much income you'll receive, not whether you're getting a fair rate.
This tool fills that gap. It takes your annuity terms and solves for the implied annual rate of return — the number that lets you compare your annuity to a CD, a Treasury, or a competing product on equal footing.
Who built this
RankMyAnnuity is published by Pacific Northwest Analytics LLC and was built by a licensed life insurance professional and registered investment adviser representative who has personally reviewed thousands of annuity contracts from dozens of carriers over many years in the industry. The frustration was always the same: consumers had no neutral way to evaluate what they were actually being offered.
This tool is the result of that frustration. The math is actuarial-standard present value methodology — the same framework carriers use internally, made available here for free with no commercial interest attached.
Editorial standards
Every review follows the same process: we obtain the actual contract language, model the crediting mechanics in our calculator, and grade the implied yield against risk-free benchmarks. Ratings are derived from that math — not from carrier relationships, advertising budgets, or editorial preferences. No carrier pays for placement or favorable coverage.
Independence statement
RankMyAnnuity has no business relationships with any insurance carrier, IMO, or broker-dealer. We do not sell annuities, accept commissions, or generate leads. This site is funded by advertising revenue and operates independently of the financial products it covers.
What we don't do
- We don't sell annuities or receive commissions.
- We don't earn referral fees for sending you to an insurance agent.
- We don't collect your personal information to sell to financial firms.
- We don't tell you whether to buy an annuity — that's for you and a licensed professional to decide.
Disclosure
This website is supported by display advertising. Ads are served by third-party networks and are not endorsements of specific financial products. The content on this site is for informational purposes only and does not constitute financial, tax, or legal advice. Always consult a licensed financial professional before making any investment or insurance decision.
Contact
For questions, corrections, or feedback, email us at rankmyannuity@gmail.com . We welcome methodological critiques — if you believe the formula or benchmarks are incorrect, tell us.