How CAA content is written, reviewed, and kept honest. Every explainer here has one job: to help you make a good decision, even when that decision is to not buy anything from us.
If a topic has a genuine downside, you will read it here first, not discover it later.
Six commitments shape everything we publish, from a rate table to a plain-English explainer.
Every guide leads with plain-English explanation and includes an honest disadvantages section. We never present a product's upside without its trade-offs. If a topic has a genuine downside, you read it here first, not discover it later.
Money-sensitive content is reviewed by a licensed Certified Annuity Advisor before it is published. Each piece will carry a Reviewed by credit naming that advisor, their designation, and their National Producer Number.
Product mechanics, rules, and figures are checked against primary sources: carrier disclosure documents, state insurance regulations, and IRS guidance. We cite the rule, not a rumor, and we correct what we get wrong.
Rates and rules change. Pages that depend on current figures carry a visible last-updated date, and rate tables carry a Rates last updated stamp. When facts change, we update the page and the date.
No insurance company pays for coverage, placement, or a kinder verdict. A product's spot in a guide is earned on merit for the reader, never bought. Compensation is explained plainly on how a CAA is paid.
We follow the disclosure rules the category requires: guarantees rely on the issuing insurer's claims-paying ability, annuities are not FDIC insured, and availability varies by state.
No hype, on purpose
The fastest way to earn trust is to refuse the tactics that lose it. These are off the table, permanently.
We will. When it happens, here is exactly what we do about it.
Anyone can report an error through our contact page. Our own advisors also re-read guides when a rule or rate changes.
We check the claim against the primary source: the carrier document, the regulation, or the tax rule. If it is wrong, it gets fixed, not defended.
The correction goes live, the last-updated date changes, and material corrections are noted so the record is honest, not quietly rewritten.
For the compensation side of this honesty, read how a CAA is paid. The standard is applied first in our plain-English annuities guide, and the people holding the pen are on the about page.
Plain English, and the decision stays yours. A Certified Annuity Advisor will review any annuity you are considering, or tell you plainly that you do not need one.
Call answered by a licensed advisor, with a follow-up in under 60 seconds during business hours.
