The largest independent annuity-review library on the web. Every MYGA, FIA, SPIA, DIA, and FIA+GLWB product graded on the Goldstein Complexity Index. No carrier-paid placements. Ever.
The finder picked your product class. Carrier rates change weekly — only a real-time pull confirms the right product for your situation today. Hans will personally walk through your match, pull this week's live carrier rates, and tell you the exact carrier + product to go with (or honestly say "not yet, here's why").
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📞 213-414-2808Hans Goldstein · NPN 20602398 · Independent · No carrier-paid placements · ⭐ 380+ reviews published
380+ annuity reviews across every product structure. Click your type for the full library.
Investigative reviews — carrier renewal-rate integrity, the §1035 flexibility play, what the "$80 liquidation problem" really means for structured products.
Which annuity carriers honor renewal caps and which use bait-and-switch. Worked examples on SILAC, EquiTrust, Athene over 7 years on $250K.
The 5 retirement problems and why MYGA annuities solve 4 of them. Allocation framework by age 60/65/70/75. $1M worked example over 25 years.
Tax-free §1035 annuity-to-annuity exchanges at maturity vs cashing out a CD. $250K worked example with full math + IRC mechanics.
Annuities don't exist in a vacuum. Compare them against CDs, HYSAs, Treasuries, money market funds — all independently reviewed here.
MYGAs, FIAs, SPIAs, DIAs, RILAs from every A-rated carrier.
380+ reviews 🏦Marcus, Ally, Capital One, brokered CDs, IRA CDs vs MYGAs.
280+ reviews 💰High-yield savings — APY, FDIC, when to move to a MYGA.
90+ reviews 🏛️T-bills, T-bonds, I-bonds, TIPS — state-tax exempt.
20+ reviews 💵VMFXX, SPAXX, FZDXX. 7-day yield + tax treatment.
20+ reviews 🏥Hybrid life+LTC + traditional LTC carriers.
Full hub 🧮MYGA vs CD after-tax. IRMAA. §1035 timing. Pension.
15 tools 🎯4% rule, RMDs, IRMAA, §1035, QCDs, survivor benefits.
10+ guidesHans is a licensed independent insurance producer (NPN 20602398) appointed with 20+ A-rated annuity carriers. The reviews stand alone — no carrier sponsorships, no affiliate fees, no carrier-paid placements.
Every annuity scored 1–100 on a proprietary index measuring transparency, fee disclosure, surrender mechanics, and rider load. Higher score = harder to understand = more risk for the buyer.
No carrier sponsors this site. No display ads. No affiliate fees. Hans's commission comes only from actual policy placements — and the reviews tell you which carrier wins for YOU, even if Hans doesn't write for them.
FIA caps drop over time. Some annuity carriers honor original rates within 0.5%. Others slash 50%+ over 5 years. Every major carrier graded A–F based on documented in-force renewal history.
Send the product name + carrier. Hans pulls the actual contract, runs the math, and tells you if it fits — usually within 24 hours. No obligation.