Annuity.org provides quality resources for people interested in buying annuities and for those who already own an annuity or have a structured settlement and would like to sell all or some of their payments.

Purpose

Annuity.org exists to provide readers with accurate, relevant information that will allow them to make informed decisions about annuities and other financial products. We seek to empower consumers by teaching them how purchasing annuities or selling payments can help them achieve their financial goals.

We adhere to ethical journalism practices, including presenting clear, unbiased information that follows Associated Press style guidelines, quoting only “on-the-record” identifiable sources and reporting facts from reliable, attributed sources.

Objective

Annuity.org’s objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language. We dissect annuities and structured settlements so you, the reader, can understand how these products fit into your financial plan. And for readers who wish to sell their payments, we present an impartial explanation of the benefits and drawbacks of selling payments.

We at Annuity.org want our readers to have the tools needed to make educated choices about their financial future, based on well-researched, accurate and current resources.

Annuity.org's Audience

Annuity's audience includes, but is not limited to:
  • People who want to know more about annuities
  • People who want easily digestible information about annuities
  • People who want comprehensive and unbiased information about annuities
  • People who are interested in purchasing an annuity for retirement
  • People who are comparing annuities to other investment options
  • People who want to learn about the features of various types of annuities
  • People who own annuities and are exploring ways to get money from them now
  • People who want to know the pros and cons of selling all or part of their annuities
  • People who own structured settlements
  • People who want to sell all or some of their structured settlement payments
  • Members of the media, researchers and experts

Topical Coverage & Our Partners

Annuity.org offers educational resources about annuities, including the types of annuity products, annuity rates and providers, and the process of purchasing an annuity.

The information we publish related to buying annuities generally aligns with, but is in no way dictated by, our annuity-provider partner, Senior Market Sales.

In addition to content related to the purchase of annuities, Annuity.org presents information related to the “secondary annuity market.” The secondary annuity market refers to the sale of existing annuity contracts to a third party. When an annuity owner — or a structured settlement recipient — sells payments to Annuity.org’s business partners CBC Settlement Funding or Fortune Settlement Solutions, he or she is transacting in the secondary market.

Our editorial team covers topics related to both the primary and secondary annuity markets in order to present a holistic representation of annuities and structured settlements. We offer candid perspectives on the benefits and disadvantages of buying and selling these products so our readers can decide for themselves whether to request information from our partners.

Primary and secondary market information is differentiated through the use of “buying” and “selling” language and as part of the website design and navigation. We make every effort to clearly delineate the paths for each to ensure that our readers are able to easily find the information that is relevant to them.

We are fully committed to our readers’ experience and strive for full transparency and consistency at every stage of their journey.

Editorial Control

Annuity.org’s partners do not dictate the content it publishes. The website operates independently of all external influences. Annuity.org does not accept money for advertising. Writers, editors and marketing team members work collaboratively to propose relevant content for Annuity.org based on the needs of its readers. The website may consider story ideas from outside sources as long as they support Annuity.org’s mission to educate consumers about purchasing and selling annuities. Annuity.org publishes original, valuable content with the primary purpose of educating and informing.

Reader Engagement

We at Annuity.org invite you to contact us with feedback and questions. If we don’t know the answer, we will find it. It takes time and effort to understand annuities, and it’s our job to help our readers navigate this complex marketplace. You’ll always get a straight answer from us. Our staff is trained to be supportive and compassionate.

Editorial Integrity

Annuity declares these three principles as crucial for responsible journalism.

Accuracy

Content on Annuity.org should be accurate and supported by experts in the industry. Annuity.org writers, researchers and editors should always strive to use facts arranged in a meaningful context to provide fair, reliable and clear reports for the public. Annuity.org articles are edited and proofed for grammar and mechanics.

Fairness

Our writers are charged with providing well researched facts to consumers so they can make educated decisions with far-reaching implications. They must be fair with the facts, clearly outlining the advantages and disadvantages of various financial scenarios. Content on Annuity.org is organized in a logical manner with sufficient background and examples to provide meaningful context for the average reader.

Transparency

Annuity.org clearly identifies sources within the main content of a page or in a source list at the bottom of the article. Sources may be listed in both locations. Links are often included to allow readers to easily find the original source of information cited on a page. Links occasionally break because of actions outside of our control; therefore, we update source links regularly.

Annuity.org cites reputable sources, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts.

We also provide full names, affiliations, experience and credentials for all expert contributors we quote within our content.

Annuity.org Content Types

Annuity provides a variety of educational content to serve the interests of our readers.

Evergreen Pages

Evergreen pages offer comprehensive coverage of a specific topic. These pages are written as part of the site’s overarching mission of educating and informing and fit into a specific section to provide context for related topics.

These pages are updated regularly with the most up-to-date statistics and facts.

Blog

Annuity.org offers a blog that features timely posts for annuity buyers and sellers. We augment these posts with background and analysis to highlight their relevance to our readers. We also include related links to other content on Annuity.org to allow readers to further explore the topic.

Guides

Our guides address more narrowly focused topics in an effort to improve financial literacy and offer detailed, actionable recommendations for specific groups, such as students, seniors and veterans, or for people with unique financial circumstances, such as first-time investors or people seeking a financial advisor.

Glossary

Annuities are complex insurance products, and the industry doesn’t use a precise standard for annuity terminology. Our Glossary is designed to help you understand the terms used throughout the site. Scores of terms are clearly defined in alphabetical order.

Annuity.org Style Guidelines

Annuity.org generally follows guidelines established by the Associated Press for its main content.

AP Style

AP style, used in most U.S. newspapers, offers a host of rules covering everything from proper punctuation and capitalization to spelling and hyphenation tips. The goal is to improve readability through standardization of mass communication.

For the source lists located at the end of articles, Annuity.org uses a modified American Psychological Association format for the source lists and includes a hyperlink to the original source whenever possible.

Quotes

Quotes from experts or contributors featured on Annuity.org are the actual spoken words of the individual. Annuity.org does not make up quotes. Sources may opt to communicate in emails and in statements. Annuity.org will identify when quotes are provided in a written format. This will help the reader distinguish between written statements and verbal communication. In limited cases, Annuity.org may adjust spelling, punctuation, capitalization and abbreviations within quotations for consistency and clarity. Such changes will be made only if they do not substantially change the speaker’s meaning.

Anonymous Sources

Annuity.org realizes that transparency is crucial to credibility. As a result, it strictly prohibits the use of anonymous sources. All sources must be fully identified with as much detail as possible to establish their credibility, experience and relevance to the content. Annuity.org writers are not allowed to go “off the record” or “on background” with sources. These terms are widely misunderstood and easily misconstrued. Annuity.org strives for as much clarity and transparency as possible.

Plagiarism

Annuity.org has no tolerance for plagiarism. We do not take the work of others and claim it as our own. We respect copyright. Annuity.org may use limited sections of others’ work to support or elaborate on a topic as long as the writer provides clear attribution. Attribution should include the name of the publication in the body of the text, possibly a link to the original publication and proper attribution in the source list located below the article. Our writers limit directly quoted material, instead conducting original reporting with a variety of sources to ensure a diversity of viewpoints.

Trust

The Annuity.org editorial team strives to provide content of the highest quality.

We adhere to a strict process of research, writing, editing and fact-checking. We do not publish content that has not been reviewed by our editors for accuracy and clarity.

Content that has been reviewed by one of our highly qualified financial reviewers includes the name of the reviewer at the top and the bottom of the page. We strive to have all our content reviewed in a timely manner and hold ourselves accountable for the information published on Annuity.org.

Independent Contractors

Annuity.org may occasionally publish content written by independent contractors. These writers are experienced professionals, and their work is reviewed and edited by Annuity.org’s editorial team to ensure it meets our standards for readability, accuracy, fairness and transparency.

Photography

Annuity.org uses photographs provided by iStock, a stock photography provider, or original images created by its designers. Annuity.org may request permission to use photographs from other sources. The source of those images will be identified in text directly below the image if permission is granted. Annuity.org will not obtain photos from a person’s social media account or website without permission.

Linking Policy

External organizations, individuals and nonprofits are encouraged to link to Annuity.org if they share our vision of providing accurate, timely and valuable financial information to the public. Annuity.org may link to credible sources of information if the source is particularly valuable. We don’t link to competitor websites or sources whose veracity cannot be verified.

Corrections

Annuity.org strives to correct any erroneous information in a timely manner. If you identify an error anywhere on the site, please contact Senior Editor Kim Borwick to report the inaccuracy.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: October 8, 2020