The Annuity Comparison & Proposal Tool Built for Insurance Agents
Compare FIAs, MYGAs, and income annuities side-by-side. Run a RetireScore Monte Carlo analysis. Generate a branded PDF proposal — all in under 10 minutes from the same platform where you manage your leads.
From Client Profile to Signed Proposal in 4 Steps
AnnuityPro's guided wizard makes the comparison and proposal process systematic — so every client gets a consistent, professional experience.
Enter Client Profile
Input the client's age, gender, premium amount, desired income start date, and risk tolerance. Add existing assets, income sources, Social Security estimates, and pension data. AnnuityPro builds a complete retirement income picture before any product comparison begins.
Run RetireScore Analysis
The RetireScore Monte Carlo engine runs 1,000 simulations against 30 years of real S&P 500 data to calculate the client's current probability of not running out of money. This score anchors the conversation — showing the client exactly how much risk exists before you introduce a solution.
Select Strategy & Compare Carriers
Choose from four strategy modes: Buffer (FIA/S&P split for growth-focused clients), Income (lifetime income rider comparison), Hybrid (growth + income blend), or Roth (tax-free accumulation via IUL or Roth conversion). Add up to 4 carriers and see cap rates, participation rates, income riders, and premium bonuses side-by-side.
Generate & Send Branded Proposal
Export a professional branded PDF with the client's RetireScore, recommended strategy, carrier comparison table, income projections, and your agency branding. Send digitally or print for in-person closing appointments. The proposal is automatically saved to the client's contact record in SalesPulse.
Four Strategies for Every Client Situation
Not every client has the same retirement goals. AnnuityPro's four strategy modes ensure you always present the right solution — tailored to growth, income, balance, or tax efficiency.
Splits premium between a fixed indexed annuity and S&P 500 exposure to capture market upside with a floor buffer. Best for clients with a 7–10+ year horizon who want growth without full market risk.
Maximizes guaranteed lifetime income using income rider selection and deferral optimization. Compares carriers by income payout rate, rollup rate, and joint vs. single life options.
Balances growth accumulation with an income rider foundation. Clients get both upside potential and a guaranteed income floor, reducing anxiety about market downturns.
Models Roth conversion or IUL accumulation for tax-free retirement income. Integrates with the income projection to show the tax-free vs. taxable income comparison over a 30-year retirement.
Why Annuity Agents Choose AnnuityPro
Stop building comparison spreadsheets by hand. AnnuityPro does the math, makes the case, and produces the proposal — so you focus on the relationship.
Monte Carlo RetireScore
1,000 simulations using real historical S&P data (1995–2024) produce a credible, defensible retirement score your clients can understand and trust.
4 Strategy Modes
Buffer, Income, Hybrid, and Roth strategies let you tailor the recommendation to the client's exact goals — whether they want growth, guaranteed income, or tax-free accumulation.
Side-by-Side Carrier Comparison
Compare up to 4 products simultaneously across cap rates, participation rates, surrender periods, free withdrawal amounts, income riders, and premium bonuses.
Branded PDF Export
Generate a professional presentation-quality proposal in seconds with your agency logo, colors, and contact info — ready for email or in-person delivery.
CRM-Connected
All proposals are stored on the client's contact record in SalesPulse. Review proposal history, track follow-up status, and set tasks all in the same workflow.
Income Rider Projections
Model income rider accumulation, rollup rates, and guaranteed lifetime withdrawal benefit amounts out to age 90 — helping clients visualize income certainty at any start age.
AnnuityPro vs. Manual Spreadsheets vs. Carrier Illustration Software
| Feature | AnnuityPro | Manual Spreadsheet | Carrier Software |
|---|---|---|---|
| Multi-carrier comparison | ✅ Up to 4 side-by-side | ⚠️ Manual entry | ❌ One carrier only |
| Monte Carlo simulation | ✅ 1,000 runs, real data | ❌ Not possible | ❌ No |
| RetireScore | ✅ 0–100 probability score | ❌ No | ❌ No |
| Branded PDF export | ✅ Auto-generated | ⚠️ Manual formatting | ⚠️ Generic only |
| CRM integration | ✅ Native (same platform) | ❌ No | ❌ No |
| Income rider comparison | ✅ Cross-carrier | ⚠️ Manual | ⚠️ One carrier |
| Strategy modes | ✅ 4 (Buffer/Income/Hybrid/Roth) | ❌ None | ❌ None |
| Setup & training time | ✅ < 15 minutes | ⚠️ Hours of setup | ⚠️ Days per carrier |
Frequently Asked Questions
What annuity types does AnnuityPro support?+
What is the RetireScore and how is it calculated?+
Can I generate a branded PDF proposal for clients?+
How does the carrier comparison work?+
What is the 4-step proposal wizard?+
Is AnnuityPro compliant with insurance regulations?+
Present Better. Close More. Build Client Trust.
Start your first AnnuityPro proposal today — build a RetireScore, compare carriers, and walk out of your next meeting with a professional branded PDF and a signed application.