Annuity Educator

Use this when the consumer wants a licensed insurance agent to review quotes they were shown, answer questions, or help them apply. Ask for their first and last name, then their email, then their phone number, one per message, then call this with the quote_token from the quote. It shows a consent card; the request only goes to an agent if the consumer presses Agree there. Never ask for a date of birth, Social Security number, account numbers or a verification code.

request-licensed-agent

Call this first, before asking any quote question, the first time someone wants annuity quotes in a conversation. It shows a card asking the consumer to agree that their answers (state, age, amount, when income starts) may be used to produce quotes. Wait for them to agree on the card before asking questions or quoting. If they decline, do not quote; offer the website link instead.

show-data-consent

Use this when the consumer wants the insurer's brochure for a product from a quote they were just shown. Pass the quote_token from the quote and the product's ref (e.g. "p2"). Returns a link to the brochure.

get-product-brochure

Use this when someone wants to compare guaranteed interest rates on a multi-year guaranteed annuity (MYGA) — a fixed annuity that pays a set rate for a set number of years — for example "5-year guaranteed annuity rates for $100,000 in Texas". Returns every eligible product from many insurers, ordered by the guaranteed rate for the chosen term, with ratings, surrender periods and free withdrawals. Ask for the state first, then age, amount, number of years and whether the money is in a retirement account. Do not use it for stocks, CDs, variable or indexed annuity growth projections, life insurance, or to decide what someone should buy.

quote-myga

Use this when someone wants to know how much guaranteed income for life a lump sum buys from an income annuity — an immediate annuity (SPIA) when income starts within a year, or a deferred income annuity (DIA) when it starts later — for example "what monthly income would $250,000 buy at 70". Returns live quotes from many insurers, ordered by guaranteed monthly income. Quotes are life-only. This is a different product from an income rider: never rank the two together. Ask for the state first. Do not use it for stocks, life insurance, or to decide what someone should buy.

quote-income-annuity

Use this when someone wants guaranteed lifetime income while keeping an account value, from an income rider (a guaranteed lifetime withdrawal benefit) on a fixed indexed annuity — for example "how much guaranteed income for life would $200,000 give me at 67 if I'm 60 now". Returns every eligible annuity and rider, ordered by guaranteed annual income at the start age, with rider fees, ratings and surrender periods. Guaranteed values only. This is a different product from an income annuity: never rank the two together. Ask for the state first. Do not use it for stocks, projected index growth, life insurance, or to decide what someone should buy.

quote-income-rider

Called by the consent card when the consumer presses Agree or Deny. Not for the model.

record-data-consent

Called by the contact consent card when the consumer presses Agree or Deny. Not for the model.

answer-agent-request