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7 Product Types
Variable, Registered Index-Linked, Fixed Indexed, Fixed, SPIA, DIA, QLAC
$53 Billion
Annuity sales ran through Annuity Wizard in 2025
850,000+
Cases ran in the last 5 years
100,000+
Exchange forms auto-populated through integrations in 2025
The pre-sales annuity compliance solution built for broker‑dealers.
RightBRIDGE® Annuity Wizard combines robust compliance automation with intuitive product selection tools, helping firms systematize their annuity documentation and sales process. Stay ahead of evolving regulatory requirements — including Reg BI, NAIC Best Interest Model #275, NY Reg 187, and FINRA Rule 2330 — with automated suitability review, extensive annuity data, and seamless integrations.
The Annuity Data, Tools, and Reports That You Need.
RightBRIDGE® Annuity Wizard is a single destination for all things annuity pre-sale.
Suitability Validation
Validate whether a proposed product meets the firm’s suitability requirements.
Automate Suitability Review
Standardize and automate the suitability review process for annuity transactions.
Product Research Tools
Sort, filter, and compare all annuity types on your firm’s complete product shelf, across all annuity types in one place. Review products, riders, rates and subaccounts in a sortable grid or in fact sheets.
Annuity Exchange Analysis
Compare a proposed exchange product with currently available products. Generate required exchange documentation.
Reasonably Available Alternatives
Choose Reasonably Available Alternatives from a pre-screened list of products that are high confidence alternative products.
Seamlessly Integrate
Integrations with order entry platforms creates a seamless user experience.
Annuity Wizard - Results
Products to Consider
Cobalt Mutual Life - Market Guard Index Navigator Series IV | 84.5%
M&E: 0.00%
Cobalt Mutual Life - Structured Equity Advantage PLUS | 79.2%
M&E: 0.00%
Meridian Wealth Assurance - Horizon Builder Variable Index Select | 88.7%
M&E: 0.00%
Meridian Wealth Assurance - Meridian Shield Core Strategies III | 71.4%
M&E: 0.30%
Sentinel Capital Life - Portfolio Ascend Series V | 81.2%
M&E: 1.00%
Aegis Mutual Life - Equity Builder Select | 64.9%
M&E: 1.25%
Sterling Guardian Life - Indexed Growth Accelerator Annuity (IGAA) | 82.4%
Total Fees: 0.00%
Ironwood Century Insurance - Secure Future Equity Index Annuity (SFEIA) | 78.9%
Total Fees: 0.00%
Crestview Heritage Life - Lifetime Income Bonus Index Annuity (LIBIA) | 88.2%
Total Fees: 0.00%
Horizon Trust & Casualty - Flexible Market Accumulator Annuity (FMAA) | 67.5%
Total Fees: 0.00%
Oakmont Alliance Life - Protected Wealth Indexed Annuity (PWIA) | 73.8%
Total Fees: 0.00%
Pre-sales Compliance and Suitability Review
RightBRIDGE® Annuity Wizard stands out as the pre-sales compliance and suitability review solution due to its comprehensive framework that keeps broker-dealers ahead of ever-evolving regulatory and compliance requirements. Broker-dealers can leverage automated checks based on industry standards, regulatory requirements and a firm’s list of suitability requirements. It supports thorough compliance assessments for each transaction and automatically documents the results through ReasonText® so that the recommendation is crystal clear to reviewers, financial professionals and their clients.
- Automated checks for Reg BI, NAIC #275, NY Reg 187 & FINRA 2330
- ReasonText® auto-generates clear compliance narratives
- Configurable firm-specific suitability requirements
Annuities
| Name | Selected Annuity Cobalt Mutual Life - Market Guard Index Navigator Series IV | Alternative Cobalt Mutual Life - Structured Equity Advantage PLUS | Alternative Meridian Wealth Assurance - Horizon Builder Variable Index Select | Alternative Sentinel Capital Life - Portfolio Ascend Series V | Alternative Sterling Guardian Life - Indexed Growth Accelerator Annuity (IGAA) | Alternative Crestview Heritage Life - Lifetime Income Bonus Index Annuity (LIBIA) |
|---|---|---|---|---|---|---|
| Score | ||||||
| Product Type | VIA | VIA | VIA | VA | FIA | FIA |
| Share Class | B | C | B | B | No Share Class | No Share Class |
| Base M&E&A | 0.000% | 0.000% | 0.000% | 0.300% | 0.000% | 0.000% |
| Term | 6 | 0 | 6 | 0 | 10 | 10 |
| Has ROP DB | No | No | No | No | No | No |
| Subsequent Contributions | Allowed | Allowed | Allowed | Allowed | Allowed | Not Allowed |
| S & P ** | A+ | A+ | A+ | A+ | A- | A- |
| A.M.Best ** | A | A | A+ | A+ | A- | A- |
| Standard Death Benefit | Return of Account Value | Return of Account Value | Standard Death Benefit | Return of Account Value | Standard Death Benefit |
Reasonably Available Alternatives
Through RightBRIDGE’s powerful rules engine, RightBRIDGE® Annuity Wizard identifies alternatives at both the annuity and rider levels, providing comprehensive assessments based on factors like the client’s preferences, investment objectives, risk tolerance, annuity features, and firm suitability rules. Reasonably Available Alternatives are selected only from the available products on a firm’s product shelf. Side-by-side comparison and reports quickly summarize the proposed annuity and applicable alternatives. Furthermore, the inclusion of ReasonText® supports financial professionals in documenting and justifying their selection of Reasonably Available Alternatives, enhancing transparency and compliance readiness.
- Alternatives identified at both annuity and rider levels
- Side-by-side comparison reports for proposed vs. alternative products
- Products selected only from the firm’s available product shelf
Annuity Exchange
| Exchange From | Exchange To | ||
|---|---|---|---|
| Contract | Structured Equity Advantage PLUS (DTCC) | Horizon Builder Variable Index Select | |
| Carrier | Cobalt Mutual Life (DTCC) | Meridian Wealth Assurance | |
| Contract | Structured Equity Advantage PLUS (DTCC) | Horizon Builder Variable Index Select | |
| Product Type | Variable Annuity (DTCC) | VIA | |
| Share Class | B (DTCC) | No Share Class | |
| Purchase Date | 12/27/2006 (DTCC) | 2024 | |
| Last Inforce Policy Update | 2024-05-03 08:12:46 AM (DTCC) | ||
| Current Value | $76,746.63 (DTCC) | $76,747 | |
| Base M&E&A | 1.25% (DTCC) | 1.000% | |
| Surrender Schedule | 4.5/3.75/2.75/1.75/0.75 (DTCC) | Sch 1: 9%, 8%, 7%, 6%, 5%, 4%, 2% | |
| Remaining CDSC Years | None | 7 | |
| Surrender Charge | $24.11 | ||
| Living Benefit Name | LIFEGUARD PROTECTOR (DTCC) | ||
| Living Benefit Rider Fee | 0.500% (DTCC) | ||
| Living Benefit Base | $54,849 | ||
| Death Benefit Name | HIGHER ANNIV VALUE DEATH BENEFIT (DTCC) | Standard Death Benefit | |
| Death Benefit Type | Step-up Death Benefit (DTCC) | Standard Death Benefit | |
| Death Benefit Rider Fee | 0.250% (DTCC) | 0.00% | |
| Death Benefit Base | $76,747 (DTCC) | NA |
Streamline Annuity Exchange Review
Streamline the annuity exchange review process by leveraging RightBRIDGE® Annuity Wizard’s data and rule-based engine. RightBRIDGE® Annuity Wizard can automate the bulk of a firm’s suitability review process for annuity exchanges based on configurable scoring and rules. The RightBRIDGE® Annuity Wizard offers integrations with providers such as Beacon Research for historical annuity data and DTCC for inforce policy information to create a one-click experience on populating an exchange form. RightBRIDGE® Annuity Wizard empowers users to present exchange recommendations alongside comprehensive product comparisons, facilitating clear decision-making and documentation for the exchange’s basis.
- Beacon Research integration for historical annuity data
- DTCC integration for inforce policy information
- One-click exchange form population and documentation
Product Shelf
| Actions | Carrier Name | Product Name | Rider Name | Type | M&E&A | Lives | Min | Max | Fee |
|---|---|---|---|---|---|---|---|---|---|
| + | Sterling Guardian Life | Guaranteed Income Builder... | Lifetime Withdrawal Benefit... | FA | 0.00% | Joint | 50 | 80 | 0.00% |
| + | Sterling Guardian Life | Guaranteed Income Builder... | Lifetime Withdrawal Benefit... | FA | 0.00% | Single | 50 | 80 | 0.00% |
| + | Ironwood Century Insurance | Assured Edge Income... | Flexible Guaranteed Lifetime... | FA | 0.95% | Joint | 50 | 80 | 0.95% |
| + | Ironwood Century Insurance | Assured Edge Income... | Flexible Guaranteed Lifetime... | FA | 0.95% | Single | 50 | 80 | 0.95% |
| + | Cobalt Mutual Life | Clear Income Advantage... | Guaranteed Lifetime Withdrawal... | FA | 0.95% | Joint | 0 | 80 | 0.95% |
| + | Aegis Mutual Life | Secure Horizon Income... | Protected Income for Life... | FA | 1.10% | Single | 45 | 85 | 1.10% |
Enhanced Product Research Tools
RightBRIDGE® Annuity Wizard offers enhanced product research tools that empower broker-dealers and their professionals with comprehensive insights into all annuity types. With the ability to compare details side-by-side across different products, users can make informed decisions tailored to their clients’ needs. The platform provides access to a wealth of information, including living benefit riders, death benefit riders, up-to-date rates and subaccounts.
- Side-by-side comparison across all annuity types
- Living benefit and death benefit rider details
- Up-to-date rates and subaccount information
Want to learn more about RightBRIDGE®?
Schedule a personalized demo to see how the RightBRIDGE® Annuity Wizard can systematize your firm’s annuity review process.