ImmediateAnnuities.com

What ImmediateAnnuities.com does

ImmediateAnnuities.com is a US-based online annuity brokerage and quote-comparison platform founded in 1996 and headquartered in Englishtown, New Jersey. The company operates a self-serve calculator that aggregates rates from more than 150 insurance company websites, allowing consumers to generate personalized annuity quotes in under three minutes without providing a phone number. Its product catalog spans Immediate Annuities, Multi-Year Guarantee Annuities (MYGAs), Fixed Index Annuities (FIAs), Secondary Market Annuities (SMAs), Deferred Income Annuities, and QLAC Qualified Longevity Annuity Contracts, sourced from carriers including New York Life, MetLife, MassMutual, Nationwide, Pacific Life, and Principal. The platform is complemented by educational resources including the Annuity Shopper Buyer's Guide (published since 1986) and Comparative Annuity Reports tracking the annuity marketplace for over 30 years, plus a phone-based inside-sales team for purchase-ready customers.

Name

ImmediateAnnuities.com

Legal name

ImmediateAnnuities.com

Website

https://immediateannuities.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

ImmediateAnnuities.com is a US online annuity brokerage founded in 1996 that aggregates rates from 150+ insurers and has served 35,000+ clients seeking retirement income products.

Ownership category

akta.pro rank

Product category

Annuity Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Annuity comparison
• Annuity brokerage
• Retirement income products
• Fixed annuities
• Income annuities

Headquarters

HQ city

Englishtown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Annuity Sales Commissions: The company earns commissions from insurance companies when customers purchase annuities through their platform. Agents receive one-time commissions paid directly by the insurance company - approximately 3% for immediate annuities is cited as industry standard.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

ImmediateAnnuities.com operates an online annuity quote comparison and brokerage platform that surveys rates from over 150 insurance company websites to help consumers find the highest-paying annuity products. The platform provides a free instant quote calculator and supplements it with phone-based consultation by licensed annuity agents who assist customers through the application and purchase process. Revenue is generated through commissions paid by the underlying insurance carriers when policies are placed.

Product overview

ImmediateAnnuities.com is a financial services comparison platform that offers a suite of annuity products and tools. The core offering consists of income annuities including Immediate Annuities, Multi-Year Guarantee Annuities (MYGAs), Secondary Market Annuities (SMA), Fixed Index Annuities (FIA), Deferred Income Annuities, and QLAC Qualified Longevity Annuity Contracts. These are complemented by free online calculators (Annuity Calculator, Advanced Annuity Calculator, Life Expectancy Calculator, Retirement Income Calculator) that provide instant quotes from over 150 insurance company websites. The platform also provides educational resources including the Comparative Annuity Reports (published for over 30 years), the Annuity Shopper Buyer's Guide, and the Museum of Insurance. The platform aggregates rates from top-rated insurers including New York Life, MetLife, Mass Mutual, Nationwide, Pacific Life, Principal, and many others, serving both consumers and financial professionals.

Differentiator

Problem solved

Functional benefit

Brands

• Comparative Annuity Reports: A monthly data publication tracking annuity marketplace trends, produced by ImmediateAnnuities.com for over 30 years.
• Annuity Shopper Buyer's Guide
• Museum of Insurance

Products and services

• Immediate Annuities Income annuities that provide guaranteed lifetime income with payments starting immediately after a lump-sum premium payment is made to an insurance company. Targeted at individuals seeking immediate income from a retirement nest egg.
• Multi-Year Guarantee Annuities (MYGA) Deferred single-premium annuities that grow at a fixed rate for a predetermined term, similar to CDs, with tax-deferred growth and penalty-free withdrawals available in most contracts.
• Secondary Market Annuities (SMA) Assets purchased at a discounted rate from the original party that make a series of payments or a lump-sum payment based on a predetermined schedule, typically offered at higher interest rates than traditional annuities.
• Fixed Index Annuities (FIA) Annuities that grow based on the performance of a stock market index such as the S&P 500, Nasdaq, or DJIA, with downside protections, income riders for lifetime income, and tax-deferred growth.
• Deferred Income Annuities Income annuities where payments begin at a future date, allowing the premium to grow and compound before income distributions start.
• QLAC Qualified Longevity Annuity Contracts Qualified longevity annuity contracts designed to help satisfy Required Minimum Distribution (RMD) requirements for retirement accounts, with income starting at an advanced age.
• Comparative Annuity Reports Monthly annuity data reports that have been tracking the annuity marketplace for over 30 years, providing detailed insights and market trends for financial professionals and consumers.
• Annuity Shopper Buyer's Guide Free guide covering various annuity types including Immediate Annuities, MYGAs, Deferred Income Annuities, Fixed Index Annuities, taxation, fees, and commissions to help buyers understand annuity features.

Quantifiable outcome

• Instant quotes in under 3 minutes with no phone number required
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Fidelity Annuities: Major incumbent financial services firm offering fixed, indexed, and variable annuities as part of a broader retirement product portfolio. Competes for the same pre-retiree customers but within a much larger wealth management platform.
• Charles Schwab Annuities: Established brokerage offering income annuities and fixed indexed annuities through its broader investment platform. Serves overlapping retirement income customers but does not specialize exclusively in annuity comparison.

Emerging players

• Haven Life: Insurtech company offering direct-to-consumer term life insurance with a streamlined online application. Adjacent in digital insurance distribution model and target demographic, though primarily life rather than annuities.
• RetireFlo: Digital annuity platform that connects advisors and consumers to multiple annuity carriers through a single technology interface. Operates in the same annuity aggregation and distribution category from a more B2B-flavored angle.
• Income Annuity Expert (InsuranceForEveryone): Annuity-focused online resource and lead generation platform serving consumers shopping for income annuities. Competes in the same online annuity comparison and education niche.
• Ethos Life: Digital-first life insurance platform that emphasizes a simplified online buying experience. Comparable as a direct-to-consumer insurtech targeting similar demographic segments with simplified insurance purchasing.

Direct peers

• SelectQuote: Direct-to-consumer insurance comparison platform that helps consumers shop and buy life insurance and annuity products from multiple carriers. Operates a similar aggregator/brokerage model distributing insurance products online, directly competing for the same pre-retiree customer segment.
• annuity.org: Consumer-focused educational and comparison platform for annuities that provides rate information and connects users with annuity products. Overlaps with ImmediateAnnuities.com in content-led annuity education and lead generation.
• Blueprint Income: Digital annuity platform that provides instant online quotes for income annuities from multiple insurance companies. Directly competes with ImmediateAnnuities.com in the online annuity comparison and purchase experience for retirement income products.
• Gainbridge: Digital annuity platform offering MYGAs and fixed annuities online with a streamlined application process. Competes as a direct-to-consumer insurtech distribution channel in the same fixed annuity category.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/immediate-annuities

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ImmediateAnnuities.com