LS Review
See what the product is really asking you to rely on.
LS Review is an independent, evidence-backed examination of a long-term financial product: what it promises, what can change, what it costs or restricts, who stands behind it, and what the evidence actually supports.
Start with what is in front of you.
An LS Review can begin with an illustration, proposal, disclosure, contract, rider, or simply the product and issuer.
LS Review — interactive question, live app
Fig. 01
From the live LS Review app, still in development
The work
The documents are the starting point, not the answer.
Longevity Standard combines transaction-specific materials with independent product, company, and source research.
What you provide
Illustration
Proposal
Contract
Disclosure
Rider
What we add
Product forms and versions
Company records
Source documents
Current product terms
Independent analysis
LS Review is the interpretation of both.
Inside the Review
What the Review examines.
01
What is promised
What the product actually commits to provide.
02
What can change
Rates, settings, conditions, and discretion that may vary over time.
03
Costs and access
What reduces value, what you are paying for, and when money may be difficult or expensive to reach.
04
Conditions of delivery
What must happen before particular benefits or values are available.
05
Who stands behind it
The institution responsible for the obligation.
06
What the evidence supports
What can be established, and what remains uncertain.
The method
Establish what applies. Then examine how the product works.
Establish what applies.
Contracts, forms, riders, company records, and transaction-specific materials are not interchangeable.
Separate what is established from what can change.
Different claims deserve different levels of confidence.
Follow value from commitment to delivery.
LS Review — method screen, live app
Fig. 02
The same discipline applied to a real configuration
Evidence
Not every important question can be answered the same way.
What holds
Established — supported by applicable evidence
Guaranteed — contractually fixed within the relevant scope
Current product terms — as filed and in force at review
What is still open
—
Changeable — subject to reset, discretion, or future rates
—
Conditional — dependent on elections, timing, or behavior
—
Unresolved — important, but not yet established
Follow the product from commitment to delivery.
01
What is being promised?
02
What does the buyer give up?
03
What can reduce or constrain value?
04
What can change?
05
What conditions matter?
06
Who is responsible for delivery?
07
What does the evidence establish?
What If
Some questions cannot be answered by the contract alone.
LS Review establishes the product, the terms, and the evidence. What If explores how changing future conditions could matter — try the same recurring-cost question this page opened with.
Explore a mechanism, not a prediction.
Boundaries
Understand the product. Keep the decision.
- 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 evaluate the product, not the person.
Independent by design
The economics are tied to the analysis.
Our economics are tied to doing the analysis, not to which product is chosen, how much is purchased, or whether a transaction takes place.
That lets the work stay focused on the people and institutions relying on the product.
Current offer
Independent LS Review, $249
A focused, independent review of an annuity or supported long-term income product.
Evidence-backed Review
Interactive web report
Downloadable PDF
Human-reviewed before release
See the product more clearly before you decide what to do.
Tell us the product you are considering, or share the materials you received.