Missing inputs
Start with the five-question walkthrough.
This page needs amount, state, timeline, source, access, and protection inputs before it can mirror the example from the tool.
See current ratesImportant disclosures
Educational only — not a recommendation to buy. This page shows example output, not an application, order, or binding recommendation. The tool uses the inputs you choose and live-rate data from our feed to paint one possible layout a licensed agent might discuss with someone in a loosely similar situation. Your real facts almost always differ; before moving money, an agent should confirm availability, limits, carrier strength, surrender terms, and tax fit.
How GetSure gets paid. GetSure Insurance Agency (operated by Algoli LLC) is a licensed insurance producer in all 50 states. We are not a bank, broker-dealer, or registered investment adviser, and we do not custody assets. This page is educational only. If a customer later asks GetSure to help place funds through a CD platform or an insurance-company product, GetSure may receive a referral fee or carrier commission. Any placement compensation is disclosed in writing before funds are moved. Full breakdown at How We Get Paid.
FDIC and state guaranty coverage are not the same. Bank CDs are deposit products and may be FDIC-insured up to per-depositor, per-bank limits set by the FDIC; verify current coverage at fdic.gov. Fixed annuities are insurance contracts issued by carriers; they are NOT FDIC-insured. They are obligations of the issuing carrier and, in the event of carrier insolvency, may be backed by the applicable state guaranty association up to that state’s coverage limits. Limits and conditions vary by state and product type. Surrender charges, market-value adjustments, and other restrictions are disclosed in the carrier’s contract.
Methodology
How this tool builds an example.
The software sorts live bank and insurance rates you could look up yourself. Fixed annuity examples use recognizable carriers only. It is not a substitute for a human who knows your taxes, beneficiaries, and paperwork.
Step 1 - Basic quality filters
- Bank CDs are modeled as FDIC-insured where our feed says so.
- Fixed annuities must be from carriers rated A- or better by AM Best in our feed.
- State availability: annuities our feed marks unavailable in your state are omitted.
- Carrier recognition: the main annuity example starts with GetSure’s recognizable-carrier list; the full database remains available for comparison.
Step 2 - Fit vs. your timeline
- Term is compared to the horizon you picked. Very short answers should not see very long lock-ups in the example.
- Deposit minimums from the feed must be satisfied for a product to appear.
Step 3 - Compare rate against carrier trust
- Existing annuity sources may tilt the example toward annuity-to-annuity paths.
- High early-access scores tilt toward shorter, simpler slices.
- Strong FDIC-only answers can keep bank CDs in the example even when another product has a higher headline rate in the feed.
- When a recognizable carrier is close enough on rate, the main example can choose that tradeoff instead of the absolute highest headline quote.
Step 4 - Caps and splits (example math)
- FDIC: $250,000 per depositor, per institution is the common teaching number—verify current limits.
- State guaranty caps vary; the tool uses a reference cap for splitting math only.
- If the amount exceeds the cap we use in code, the example may show multiple providers.
Optional call
Request a short call to review the example.
We can walk through the on-screen example, answer FDIC vs. guaranty questions at a high level, and suggest what to double-check on tax—not a commitment to buy.
Or call (775) 438-7873 — 7 days a week, 9a–7p PT.
Thanks—request received
We’ll try to reach you within one business hour.
Plan on ~15 minutes if you can. We’ll review the on-screen example and flag obvious misfits. No obligation.