The Annuity Ledger exists because annuities are sold, not explained — and the explaining is usually done by whoever earns the commission on the sale. We’re not the one selling you the annuity — so we can just show you the math, in plain language, with the trade-offs the brochure leaves off.
We publish independent analysis and free tools covering annuities and guaranteed retirement income: payout calculators, a current-rates tracker, and plain-language explainers of every annuity type — including the fees, surrender charges, and incentives the sales channel tends to underplay.
We do not sell annuities and we are not insurance agents — so we have no product to push and no reason to steer you toward one annuity over another, or toward buying at all. Our only job is to show you the numbers and the honest trade-off, then get out of the way.
If a fact is on this site, it is tied to a public regulatory, actuarial, or market source. Where data isn't public, we say so rather than estimate. We don't publish rankings, ratings, or 'best annuity' lists that could be mistaken for a recommendation.
The Annuity Ledger is produced by our editorial team, working from primary regulatory and industry sources (see our methodology). We publish under the organization rather than individual bylines. Analysis is reviewed for accuracy against source documents before publication.
The Annuity Ledger is independent and does not sell annuities. If we add referral links to vetted partners, they will be clearly disclosed at the point of any such link and will never change the analysis you read here.
Questions, corrections, or feedback: editor@annuityledger.com.