Before we launch into the technical content of this site, you’ll want to understand what the Date Lottery is.

The Date Lottery is a phenomenon where even minor differences in the dates funds are added can have a significant impact on your returns. To address this issue companies across the country have developed various methods that include: averaging, participation, income riders, and guaranteed minimum benefit riders, but these methods do not always work as intended.

The following is a real example that is used to illustrate the Date Lottery issue:

• Twin brothers retire in the same week, but a few years apart.

• Both deposit $1M into the exact same annuity product.

• Both pull $60K a year for bills.

After 10 years, one twin is happy, with $1.8M. The other one is down to $200K and running out of money. The difference is created because they both purchased on different dates and the market was doing different things.

We believe all the annuities on the market today are either subject to the Date Lottery or suffer from mitigated returns as a result of the attempted “fix.”

We identified and developed management methods to help alleviate the Date Lottery issue a decade ago. All of our reps have been trained on how to address the Date Lottery issue..

We have successfully developed entire product lines, currently in production with major insurance carriers. Even prior to their release, we possess knowledge on minimizing the Date Lottery issue without resorting to costly riders, lowering returns, or charging additional fees. Instead, we have devised a strategy that significantly advances your profitability statistics.

We are renowned in the industry for pioneering the development of the first artificial intelligence tool capable of modeling annuity historical backtesting. However, it is essential to exercise caution when making annuity purchasing decisions solely based on backtesting results. Some companies may design products specifically to excel in certain scenarios, but their pricing might not be intended to repeat the initial year rate assumptions, a crucial aspect of annuity backtesting. While properly structured and data-rich annuity backtesting can offer valuable insights, it would be irresponsible to claim that the top-listed product is necessarily the best fit for your needs.

That being said, our tool can help you narrow down your options and identify the annuities that are most likely to perform well, and yes, we can tell you which of the annuities are designed with looser renewal intent . We also recommend looking beyond backtesting results and considering other factors like the company's bond portfolio, management team, long-term plan, and more.

If you want to protect yourself from the Date Lottery, we can help guide you through the process. Keep in mind that our shortlist based on backtesting is just the beginning of the analysis. We will help you dig deeper and make an informed decision that's right for you.