What is Andy? Andy is the My Annuity Store AI annuity research assistant. Powered by OpenAI and grounded in our internal carrier brochure database plus live daily rate data from 90+ insurers, Andy answers product, rate, and comparison questions in plain English. Andy is a research tool, not a financial advisor – so when a question crosses into taxes, RMDs, or estate planning, Andy hands you off to a real licensed specialist.
What Andy can do
Andy pulls current MYGA, fixed annuity, and fixed-index annuity rates from 90+ carriers and filters by your state, premium amount, and contract term. Same data source as our public fixed annuity rates page, updated daily.
Search the actual carrier brochures
Ask product-specific questions like “What is the surrender period on the F&G SecureIncome 7?” or “Does the Allianz Accumulation Advantage+ have a market value adjustment?” Andy reads the official PDF brochures from each insurer and quotes them back to you.
Compare two products side-by-side
Name any two annuities Andy knows, and you will get a clean comparison of rate, term, surrender schedule, minimum premium, riders, and AM Best rating – drawn from each carrier’s brochure rather than marketing copy.
Hand you off to a real licensed specialist
When your question gets complex – taxes, 1035 exchanges, RMDs, estate planning, or a large premium – Andy gathers your contact info and routes a written summary to a real licensed specialist at My Annuity Store. You will usually hear back within one business day.
Sample questions you can ask Andy
These are exactly the kinds of questions Andy is built to answer well. The phrasing does not need to be precise – Andy understands natural English.
- What is the best 5-year MYGA rate available in Texas right now?
- Compare the Athene Ascent Pro 10 with the Allianz Core Income 7.
- What is the surrender period on the F&G SecureIncome 7?
- Can I roll a 401(k) into a fixed annuity without paying taxes?
- Show me the top 3 fixed-index annuities for someone age 62 with $250,000.
- What is the difference between a MYGA and a CD?
- Which carriers offer a 7-year MYGA above 6% this month?
- How does the income rider on the North American Income Pay Pro 10 work?
How Andy works (and why the answers can be trusted)
Andy is built on three layers – and the third one is the part that matters for trust:
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OpenAI as the language layer
Andy runs on OpenAI’s GPT models for natural-language understanding and response generation. The brain interprets your question and writes the reply – but it does not invent annuity facts on its own.
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Carrier brochures as the source-of-truth layer
We have indexed the official PDF brochures from every carrier we represent into a private knowledge base using a technique called RAG (retrieval-augmented generation). When you ask a product question, Andy first searches that brochure database for the relevant passages, then writes the answer using those passages as the source. If the brochures do not contain the answer, Andy says so rather than guessing.
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Live rate data from AnnuityRateWatch
Rate questions are routed to a separate function that queries our daily rate feed (the same one that powers our rates pages). So when Andy quotes you a 6.50% MYGA, that is a real rate available right now from a real carrier in the states they are licensed in – not an out-of-date training-data figure.
What Andy will not do
By design, Andy stays inside its lane:
- No tax, legal, or investment advice. If you ask about RMDs, Roth conversions, estate planning, Medicaid, or trusts, Andy will route you to a licensed specialist instead of guessing.
- No specific product recommendation without your goals. Andy asks about your timeline, state, and what the money is for before suggesting a product type.
- No sensitive data collection. Andy never asks for SSN, account numbers, or bank info. Quote requests collect only name, email, state, and amount.
- No replacement for a real conversation. Andy is a research tool. The final purchase decision happens with a licensed human specialist who knows your full situation.
Why we built Andy
Most annuity research happens in one of two unsatisfying ways. Either you slog through a comparison site that buries product details behind a lead form, or you call a 1-800 number and get put through to whoever is on rotation. We wanted a third option: a place where someone curious about MYGAs at 11 PM on a Tuesday could get a clear, sourced answer in 30 seconds, with no sales call attached.
Andy is that third option. Free, available 24/7, transparent about its sources, and clear about its limits. When you are ready to actually purchase, a real licensed specialist takes over. Until then, ask anything.
How to start a conversation with Andy
Andy lives in the bottom-right corner of every page on myannuitystore.com. To start:
- Look for the blue chat bubble with the chat icon in the bottom-right corner.
- Click it – the chat panel slides in from the side.
- Type your question and hit Send.
That is it. No login, no email, no signup. The chat history stays in your browser for that session and is cleared when you close the tab (unless you ask to be contacted by a specialist – then we save your contact info to follow up).
Frequently asked questions about Andy
Ready to put Andy to work?
Open the chat bubble and try one of the sample questions above – or jump straight to live rates and quote requests.
