Tool Last reviewed: 2026-10-03 Part of Calculators and tools

What Are You Looking For? The Product Finder

Written and reviewed by Hans Goldstein, licensed insurance producer, NPN 20602398 · CA Insurance License #4273294
Last reviewed October 3, 2026 · Published October 3, 2026

How it works: pick what you are shopping for, tap through two to four short questions, and see the product types that usually fit, with one dated number and one honest downside for each, free. The full read (every number, every downside, what would change the answer and the questions to ask) unlocks with your email. It is education, not a recommendation; Hans reviews your actual situation on a 15-minute call if you want one.

Find your fit

What are you looking for?

Pick one. See what fits your situation, with today's numbers and the downsides. About a minute. No phone needed.

Hans Goldstein · CA Lic. #4273294 · NPN 20602398 · No carrier pays for placement · Your info is never sold

Education, not a recommendation or a quote. Rates are as of the dates shown and change often. Annuity and life insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurer; annuities are not FDIC insured. Hans Goldstein, CA Insurance License #4273294 · NPN 20602398 · Goldstein & Co. LLC dba Goldstein Insurance Services, CA License #6016830.

What the finder does, and doesn't, do

The finder sorts by the questions that decide most cases: your age, what the money is for, how long it can sit, your health for life and long-term care coverage, and whether annuity money is after-tax or inside an IRA. It shows each product's downsides next to its strengths, because a recommendation that only shows the upside isn't a recommendation.

It does not quote. Rates on CDs, Treasuries, savings and multi-year guaranteed annuities come from the dated sources shown, and they change often. Life insurance prices depend on underwriting; annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Hans is an insurance producer and does not sell securities, CDs or Treasuries; those appear so you can compare honestly.

Where the numbers come from

MYGA, CD, Treasury, savings and money market rates: the site's dated rate benchmarks (AnnuityRateWatch, DepositAccounts, U.S. Treasury, bank and fund sites, FDIC), as of the date shown in each result.
Life insurance cash value timing: the transparent model on the max-funded IUL page (guaranteed, midpoint and current columns).
Term prices: the dated survey on the term cost page.
Tax points: the annuity tax trap and SPIA exclusion ratio pages.

Rather talk it through?

Skip the questions: book 15 minutes on Hans’s calendar or call 213-414-2808.

Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

Frequently asked questions

Is the product finder a recommendation?

No. It is education that shows which product types usually fit the answers you give, with dated rates and the downsides. A recommendation needs a review of your full situation.

Where do the rates come from?

From the site's dated rate benchmarks, such as AnnuityRateWatch for MYGAs, DepositAccounts for CDs and the U.S. Treasury yield curve, as of the date shown. Rates change often.

Why does it ask whether annuity money is in an IRA?

Because the tax comparison changes. With after-tax money an annuity's gain comes out as ordinary income with no step-up at death. Inside an IRA or 401(k), withdrawals are ordinary income either way.

Do I have to give my email?

No for the first answer: you see which product types fit, with one number and one downside each, without it. The full read unlocks with an email so Hans can also send a plain-English version. Phone is optional. If you add one, the notice above the button explains how Hans may call or text you about your results.

Sources

Hans Goldstein, CA Insurance License #4273294 · NPN 20602398 · Goldstein & Co. LLC dba Goldstein Insurance Services, CA License #6016830

Contact: hans@hansgoldstein.com · 213-414-2808

General education, not tax or legal advice. Tax treatment depends on your facts and on current law, which can change. Talk to your CPA or estate attorney. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Guarantees apply only to the contractual terms of the policy. Caps, participation rates, loan rates, charges and dividends are not guaranteed and can change. Hans is paid a commission by the insurer if you buy a policy through him. For life insurance, ask and he will tell you what he earns on your specific policy. Product and company names are trademarks of their owners. Goldstein Insurance Services is an independent agency, not affiliated with or endorsed by any insurer named here. Rates shown are as of the dates stated and change often. Life insurance requires underwriting; annuities have surrender charges and other limitations; CDs and Treasuries have their own terms. Read the contract or disclosure before you buy.