Let’s figure out the right annuity for your situation.Together. In about a minute.
The Annuity Doctor uses real tools, real math, and real licensed specialists to help you figure out what fits — before anyone tries to sell you anything.
Six annuity types. One that's actually right for you.
Annuities aren't one product — they're six different ones with wildly different jobs. Here's the short version of each.
FIAs for Accumulation
Capture a portion of market gains with zero downside risk. No annual fees.
FIAs with Income Riders
Market-linked growth plus a guaranteed lifetime income option you control.
MYGAs
Guaranteed fixed rate for a set term — like a CD, but with tax-deferred growth.
Immediate Annuities (SPIAs)
Convert a lump sum into the highest possible income — starting right away.
Deferred Income (DIAs)
Lock in future income at today's favorable rates.
QLACs
Longevity insurance that also reduces your RMDs.
Not sure if an annuity even fits?
Six questions. Ninety seconds. We'll tell you straight up whether an annuity makes sense for your situation — and which kind. If the answer is “no,” we'll say that too.
Take the 90-second quizTry the math in real time.
Rough estimate. Real quotes vary by carrier and product type.
Three steps. None of them include a sales call.
Take the 90-second quiz
Six questions about your goals, timeline, and comfort with risk. No email gate, no "sign up to see your results."
See what actually fits
You get a straight answer about which types fit — and which definitely don't. With the math underneath, not just a vibe.
Pick your next step
Save your progress in the portal, talk to the AI Doctor right now, or book a real call. Whichever speed you're moving at.
Three guides that answer 80% of the questions.
MYGAs (Multi-Year Guaranteed Annuities): The CD Alternative That Grows Tax-Deferred
Multi-Year Guaranteed Annuities offer fixed interest rates with tax-deferred growth. Learn how MYGAs work, how they compare to CDs, and who they're best for.
FIAs for Accumulation: Market-Linked Growth Without Market Risk
How to use fixed index annuities for tax-deferred accumulation — index linking mechanics, caps, participation rates, crediting methods, proprietary indices, and building a growth-focused FIA strategy.
What Is an Annuity? The Complete Beginner's Guide
Everything you need to know about annuities — what they are, how they work, the different types, who they're best for, and the common misconceptions that trip people up.
Pick whichever speed you're moving at. Nothing here costs anything.