For Individuals
Start with the product in front of you.
If you are considering an annuity or other supported long-term income product, LS Review gives you an independent, evidence-backed investigation before you decide what to do.
Get started
You do not need to know which documents matter.
A Review can begin with an illustration, proposal, disclosure, contract, rider, or simply the product and issuer. We identify what else is needed from there.
Illustration
Proposal
Contract
Disclosure
Rider
Or simply the product and issuer
The materials you receive are the starting point, not the entire evidence base.
The investigation
The product name is only the beginning.
Products can vary by form, rider, issuing company, jurisdiction, date, and other terms that matter. Longevity Standard investigates the specific product you are considering and works to establish what actually applies.
What goes into your Review
- Your materials
- Independent product research
- Company research
- Applicable source evidence
What comes back
Your LS Review
Your Review
A clearer view of the product itself.
An LS Review is designed to make the most important parts of the product easier to see.
01
What the product commits to provide
The benefits and values you are being asked to rely on.
02
What can change
Rates, settings, conditions, or other terms that may vary.
03
Costs and access
What may reduce value or limit access to money.
04
Conditions that matter
What has to happen before particular benefits or values are available.
05
Who stands behind it
The institution responsible for the obligation.
06
What remains uncertain
Important questions that cannot yet be fully established.
LS Review — product screen, live app
Fig. 01
One product, followed from what is committed to what can reach you
Why the Review exists
The paperwork does not always answer the important questions.
01
What does this value actually represent?
02
Can it be withdrawn or spent?
03
What can change after purchase?
04
What happens if money is needed earlier than expected?
05
Which assumptions or conditions have the biggest effect on the value ultimately delivered?
06
Which terms actually apply to this version of the product?
What If
Some questions only appear over time.
Inflation, longevity, interest rates, and access needs can affect long-term value in ways the product documents cannot answer on their own. What If lets you explore those questions separately.
Independence
The economics are tied to the investigation.
Our economics are tied to doing the work, and the investigation stays focused on the product and the evidence behind it.
Not which product you choose.
Not how much you purchase.
Not whether a transaction takes place.
Boundaries
The Review investigates the product. You decide what to do.
LS Review does not tell you whether to buy, keep, replace, surrender, or avoid a product.
It does not determine personal suitability, risk tolerance, or financial-plan fit.
It does not rank products or tell you which one is “best.”
We investigate the product. You keep the decision.
Current offer
Independent LS Review, $249
A focused independent investigation of an annuity or supported long-term income product.
Evidence-backed Review
Independent product and company research
Interactive web report
Downloadable PDF
Human-reviewed before release
Start with what you are considering.
Tell us the product, or share the materials you received.