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WHAT YOU NEED TO KNOW

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DATE LOTTERY EXPOSED

We expose the main problem with annuities; A phenomenom known as 'The Date Lottery'

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AI POWERED BACKTESTING

AI powered historical backtesting is changing how we design & select our annuities

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WHAT IS THE DATE LOTTERY?

The Date Lottery is a phenomenon where even minor differences in the dates funds are added can have a significant impact on your returns.

Imagine the following:
• Twin brothers retire in the same week, but a few years apart.
• Both deposit $1M into the exact same annuity product.
• Both pull $60,000 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.

read our full article on the date lottery
HOW WE SOLVED THE
DATE LOTTERY
  • Over the years, we've managed to avoid the potential risks of falling victim to the date lottery in our family portfolio.
  • We've created an artificially intelligent backtester that allows us to instantly check historical performance of popular annuity crediting methods.
  • We can do this by using AI to go back and hypothetically 'purchase' contracts on thousands of potential purchase dates.
  • We use real stock market data and accurate calculations of popular crediting methods to find the best, worst, and average returns of said methods.
  • We believe it is imperative to use AI backtesting to learn about date lottery exposure on any product you own or are considering

HAVE YOU FALLEN VICTIM TO THE DATE LOTTERY?

CLICK HERE TO FIND OUT (free AI backtest)
OUR OFFER TO YOU

Over the years we've developed a comprehensive methodology for selecting annuities. We call this the 'Averill Method'.
‍
Watch the video below to understand what we can do for you.

  • Determine your reason for owning an annuity
  • Decide on the desired surrender charge period
  • Consider the ratings you prefer for the annuity company
  • Determine if you will be making systematic withdrawals
  • Assess if you own other annuities
  • Ensure your annuities synergize with one another
  • Decide if you intend to use the annuity as a "gain as markets fall" strategy
  • Determine if you know the exact sub-accounts or allocations
  • Determine if your broker or agent has a good track record
  • Assess how long your broker or agent has been selling annuities
  • Determine how the caps and rates of your annuity compare to products with no bonus of the same type
  • Assess if you are considering a jointly owned annuity
  • Assess if your annuity forces you to annuitize to get a higher benefit or factor
  • Assess if you know the specific fees in the sub-accounts and the annuity itself
  • Provide a consolidated annuity statement regardless of where you purchased other annuities
  • Assess if you know what a 'cap' is
  • Determine if your annuity has all capped crediting methods
  • Assess if your annuity has base fees
  • Determine if the fees in your annuity are refundable if the contract does not perform
  • Assess your knowledge on the indicies which your annuity's crediting methods are based
  • Assess how many different companies' fixed annuity products your broker or agent is allowed to sell
  • Determine if your annuity has a bonus
  • Assess how long it takes for your annuity to fully vest
  • Determine if you know what annuitization means
  • Determine if your agent owns the annuity they are recommending
  • Determine what happens to the cash balance of your annuity when you die

Using the 'Averill Method' has yielded our family, and our clients returns significantly higher than the industry 'standard' of 4-6% often touted by thought leaders in the annuity space.
We'll show you the statements to prove it.

PURCHASE YOUR NEXT ANNUITY USING
THE AVERILL METHOD IN 3 EASY STEPS

STEP 1

Tell us what your goals are and which products you are considering

STEP 2

We run your information through our proprietary annuity selection tools

STEP 3

Select a time & date to go through your results.

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we’ve served 10,000+ clients and had zero complaints
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We will not overpromise regarding the results you should expect, and leave you disappointed. Our reputation speaks for itself.

We will always make it our effort to underpromise and overdeliver.

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'The Averill Method'

BULLETPROOF SOLUTION

Our propriety solving of the date lottery known as
'The Averill Method'

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Annuityanswers.com is run by Cap Averill II & Associates. We are not here to tell you what to do with your money. This site shares the collective methodology used by the Averill family, who has been in the annuity business for over 60 years. There are no fees, no hidden costs, no obligations for this service.

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