Why This Matters
Annuities are complex financial products, and the information you use to make decisions about your retirement income needs to be trustworthy. Google classifies annuity content as “Your Money or Your Life” (YMYL) — meaning it holds content about this topic to the highest possible accuracy standards. We hold ourselves to an even higher bar.
Unlike many financial websites that publish content to generate leads, Annuity.com was built to educate first. We believe that well-informed consumers make better decisions — and that better decisions lead to better outcomes in retirement.
Our Editorial Independence
Annuity.com independently compares more than 2,400 annuity products from 60+ insurance carriers. We are not captive to any single insurance company, which means our content is never influenced by a carrier relationship.
Our Independence Guarantee
No insurance carrier, advertiser, or business partner has any editorial input into our content. Our editorial process is entirely separate from our business operations. When we recommend a type of annuity product, it’s because our research and expert reviewers believe it serves consumers — not because it generates revenue for us.
Advisory Oversight
All content published on Annuity.com is produced under the editorial oversight of our Advisory Board Chairman and reviewed by qualified professionals before publication.
Bart Catmull
Bart spent seven years at PricewaterhouseCoopers before joining Sagicor Life Insurance Company, where he served for more than 22 years — rising from CFO and COO to President of the company. He later served as Chief Risk Officer for Sagicor Financial Company and as EVP of Administration and Chief Strategy & Risk Officer at Security Mutual Life Insurance Company of New York. His career-long immersion in how annuity and life insurance products are designed, priced, regulated, and sold from inside the carrier ensures our content reflects how these products actually work — not just how they’re marketed.
Our Board of Directors also includes Tom Hegna, one of the most recognized retirement income experts in America. A retired U.S. Army Lieutenant Colonel with 22 years of military service, Tom spent 15 years as a First Vice President at New York Life — where he was responsible for over $5 billion in sales and helped grow annuity sales from $100 million to over $2 billion. Today, he is a bestselling author, economist, and Senior Education Advisor to the Alliance for Lifetime Income. His involvement ensures our educational mission stays at the center of everything we publish.
Our Editorial Process
Every piece of educational content on Annuity.com goes through a structured review process before publication:
Research & Drafting
Content is researched and drafted by our editorial team using primary sources — carrier documentation, regulatory filings, academic research, and IRS/DOL guidance. We don’t rewrite content from other websites.
Expert Review
Every article is reviewed by a qualified professional for factual accuracy, completeness, and clarity. Reviewers verify that product descriptions, tax information, regulatory details, and numerical examples are correct.
Editorial Oversight Approval
Content is published under the oversight framework established by our Advisory Board Chairman. This ensures consistency in editorial standards across the site.
Ongoing Updates
Published content is reviewed on a regular cycle and updated when regulations change, new products are introduced, or data needs refreshing. Every article displays a “Last Updated” date so you always know how current the information is.
Our Content Principles
Accuracy Over Speed
We would rather publish one accurate article than ten that cut corners. Every claim is sourced, every number is verified, every product description is checked against carrier documentation.
Transparency
We clearly disclose how we make money, who our carrier partners are, and what our business relationships look like. Our Disclosures page explains all of this in plain language.
Education First
We never publish content designed to pressure you into a purchase. Our guides explain both the benefits and the limitations of annuity products, including situations where an annuity may not be the right choice.
Consumer Advocacy
We represent more than 60 insurance carriers and are not captive to any one company. When we compare products, the comparison is designed to help you find the best fit — not to steer you toward a particular carrier.
How We Handle Corrections
If we discover an error in published content — or if a reader brings one to our attention — we correct it promptly and transparently. Significant corrections are noted within the article. We believe accountability builds trust, and we take that seriously.
If you spot something that doesn’t look right, please contact our editorial team. We welcome and appreciate feedback from our readers.
A Note About Our Tools
Our interactive tools — including the MYGA Rate Comparison, the Longevity Calculator, and the What Is Your Number? retirement income calculator — are designed to provide estimates and educational illustrations. They are not financial advice. We always recommend consulting with a licensed financial professional before making annuity purchase decisions. Our Find an Agent page can connect you with an independent, licensed specialist.
Last updated: February 2026. This page is reviewed quarterly to ensure it accurately reflects our current editorial practices.