Terms of Use

By accessing or using American Annuity Calculator (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

The annuity calculator and all content on this Site are provided for educational and informational purposes only. The information provided:

• Does not constitute financial, tax, investment, or legal advice
• Does not create a fiduciary or advisor-client relationship
• Is not a guarantee or prediction of any specific annuity payout
• May not reflect current insurer rates or product features in your state
• Should not be relied upon as a substitute for consultation with a licensed financial advisor

Use of this Site does not create a fiduciary, advisor-client, or broker-client relationship between you and American Annuity Calculator or any affiliated individuals. We are not a registered investment advisor, insurance broker, or financial planner, and we do not sell or recommend annuity products.

The annuity payout estimates generated by our calculator are based on the standard amortization formula (PMT = P × (r / (1 − (1 + r)^−n))) using inputs you provide. Actual annuity payouts depend on the specific insurer, product, contract terms, riders, fees, prevailing market rates, your age, and many other factors not captured in this tool. We make no warranty, express or implied, regarding the accuracy of any estimate or whether a particular annuity is suitable for your situation.

THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, AMERICAN ANNUITY CALCULATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ANY INFORMATION PROVIDED, INCLUDING ANY DECISION TO PURCHASE, ANNUITIZE, OR SURRENDER AN ANNUITY PRODUCT.

All content on this Site, including text, graphics, and software, is the property of American Annuity Calculator or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

The Site may contain links to third-party websites. We do not endorse, control, or assume responsibility for the content of any third-party sites.

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of DuPage County, Illinois.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Questions about these Terms: [email protected]