Decision support for fixed-rate savings
Skeptical about annuities?
You should be. Most of what’s pitched is wrong for most people. We sell one product — fixed annuities — and we put the math in writing for you before you buy.
As seen in
Why people get burned
What’s actually wrong with annuities.
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01
The pitch model is broken.
The product that pays the highest commission is the product you get pitched. Variable annuities, indexed annuities, products with riders bolted on — complexity is where the margin lives.
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02
The products themselves are overengineered.
Caps, spreads, participation rates, income riders, surrender ladders, MVA. Even people who sell them can’t explain them in one sitting.
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03
The simple ones get lost in the noise.
A plain fixed-rate annuity is closer to a CD than to anything else — but it’s buried under the products that pay the most to recommend.
Most annuities, in 2026, are bad products sold badly. Your gut is right.
But there’s a quieter version — closer to a CD than anything else. A fixed rate, a fixed number of years, your money back plus interest. That’s what we sell. Nothing else.
The simple version
One product. Almost like a CD.
A fixed annuity is a contract with an insurer. You hand them money, they pay you a fixed rate for a fixed number of years, and at the end you get your money back plus interest. No market exposure. No riders. No caps.
Often a better rate than a CD of the same length. Tax-deferred. State guaranty backing instead of FDIC.
| CD | Fixed annuityWhat we sell | |
|---|---|---|
| Term | 3 mo – 5 yr | 3 – 10 yr |
| Backed by | FDIC | State guaranty fund |
| Top 5-yr rate | 4.75% | 5.85% |
| Tax | Taxed yearly | Tax-deferred |
| Early exit | Penalty | Penalty + MVA |
How our customers get there
You don’t have to decide today.
Most people who buy from us spend weeks here first — comparing rates and reading explainers until the decision is clear. Nothing in that order requires a phone call.
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01
Start with the rates.
CDs and fixed annuities, side by side. Filter by state, sort by rate, see who pays what right now — or have it land in your inbox every Tuesday with The Rate Scoop.
Open the marketplace → -
02
Learn how it actually works.
Plain-English guides and calculators. Build a ladder, model an early withdrawal, see what an MVA actually costs.
Browse the tools →
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Top rates in your inbox every Tuesday.
CDs and fixed annuities, side by side. Where rates moved last week, and the ones we’d buy if it were our money. No phone call, no pitch.
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