Filter to your client
Narrow by product type, guarantee period, state availability, issue age, premium amount and minimum carrier rating. Premium-banded rates apply automatically.
Annuity software for advisors
Annuity rates, compared in minutes.
The InsurFlex Compare module puts MYGA, fixed indexed and registered index‑linked annuities side by side, filtered to your client's state, age and premium, and turns your shortlist into a clean, branded proposal. No more rate sheets, PDFs and spreadsheets.
For licensed financial professionals, IMOs and broker-dealers.
Compare module
Everything you need to shortlist the right annuity
One screen for the rates, ratings, surrender terms and features that drive a recommendation, kept current and filtered to the client in front of you.
Side-by-side comparison
Compare up to four products across rates, crediting strategies, surrender schedules, free withdrawals, MVA and return-of-premium features.
Guaranteed value projections
See year-by-year guaranteed accumulation for MYGAs alongside the surrender charge in each year, so clients understand the trade-off.
Client-ready proposals
Save a comparison as a proposal with your notes, name and firm, and print or save it as a PDF, with disclosures and the rate effective dates included.
Rate history you can show
Every rate change is kept with its effective date, so you can show what was available on the day you made a recommendation.
Built for your firm
Your agency administrators manage your agents' accounts, set up downline agencies and choose which products your advisors see.
Product coverage
The annuities your clients ask about
Each product type is compared on the terms that matter for it.
MYGA
Multi-year guaranteed
Fixed rates guaranteed for the full term.
- Guaranteed rate by premium band
- Surrender schedule and MVA
- Year-by-year guaranteed values
FIA
Fixed indexed
Index-linked growth with principal protection.
- Caps, participation rates and spreads
- Crediting strategy by index
- Fixed account rate
RILA
Registered index-linked
Higher upside potential with defined downside.
- Buffer and floor options
- Caps and participation by segment
- Term and segment length
How it works
From client conversation to proposal in one sitting.
Every InsurFlex module runs in the browser, with nothing to install. InsurFlex keeps carriers and rates current and your agency administrators manage your team; advisors just compare and present.
Book a demo- Enter the client basicsState, age, premium and the type of guarantee the client is looking for.
- Review the ranked resultsProducts the client is eligible for, sorted by rate, with ratings and surrender terms at a glance.
- Compare your shortlistPick up to four products and review them side by side, including guaranteed values over the term.
- Present the proposalAdd your notes, save it to the client's file and print or share a PDF.
The InsurFlex platform
One modular platform, built around how advisors work
Start with the Compare module and add Transfers and Suitability when your practice needs them. Carriers can add Illustrate so their advisors run illustrations without leaving Compare. Every module works from the same secure, browser-based workspace, client records and agency setup.
InsurFlex Compare
Annuity rate comparison, side-by-side product analysis and client proposals.
- MYGA, FIA and RILA coverage
- Client filters limited to each agent's licensed states
- Agent's expected commission, never shown to clients
- Guaranteed MYGA values by year
InsurFlex Transfers
Manage 1035 exchanges and qualified transfers from paperwork to contract issue, for every advisor in your agency.
- Case tracking with six milestones, holds and cancellations
- Follow-up dates with a due list for advisors and staff
- Full case history, started straight from a saved proposal
InsurFlex Suitability
Document Best Interest and suitability recommendations under NAIC Model #275 and Reg BI.
- Guided client profile and needs capture
- Recommendation rationale linked to the comparison
- Replacement and 1035 review documentation
InsurFlex Illustrate
For carriers: let advisors run illustrations of your annuities directly from Compare, at the moment they're shortlisting your products.
- An Illustrate button on your products in every comparison
- Guaranteed and non-guaranteed values, year by year
- Hypothetical index-crediting scenarios for your FIAs and RILAs
- Enabled by the carrier for its own products
The Transfers and Suitability modules are licensed separately from the Compare module. Illustrate is licensed by carriers for their own products. Contact us for licensing terms and availability.
Included with every module
The platform underneath each module, so client records and your firm's setup carry across everything you use.
Proposals & client records
Every saved comparison is kept exactly as presented, ready to print, reopen or start a transfer from.
- Snapshot of products and rates
- Searchable by client
- Print or save as PDF
Agency management
Run your whole organization, from the top of the hierarchy down to each agent.
- IMO, broker-dealer and agency hierarchies
- Agency administrators manage their own users
- Product shelf by category, carrier and product, inherited by downline
- Commission schedules by product, with per-agent overrides
Who it's for
For everyone who recommends or distributes annuities
Independent advisors & agents
Stop checking a dozen carrier sites and rate sheets. Find the best fit for each client quickly and present it professionally.
IMOs & FMOs
Give your agents and downline agencies one current view of the carriers you contract with, limited to your product shelf, and manage their accounts yourself.
Broker-dealers & banks
Keep advisors to an approved product shelf and keep a record of the rates available at the time of each recommendation.
Carriers
Get your current rates in front of the advisors using InsurFlex, and license Illustrate so they can illustrate your products directly from Compare. Ask us about submitting rate updates directly.
InsurFlex is a tool for licensed financial professionals. It doesn't provide investment, tax or legal advice. Rates, product features and availability are set by each carrier, can change without notice and should be confirmed with the carrier before a sale.
Questions
Frequently asked
Who can use InsurFlex?
Licensed financial professionals, and the IMOs, FMOs, broker-dealers and banks they work with. Accounts are set up by InsurFlex or by your agency's administrators.
Can an IMO manage its downline agencies and agents?
Yes. IMOs, broker-dealers and agencies can have downline agencies beneath them. Agency administrators add and manage users, create downline agencies, choose the product categories, carriers and products on their shelf, set commission schedules for their agents and see the proposals and transfers of everyone below them.
Where do the rates come from?
Rates come from carrier rate sheets and are maintained by InsurFlex, each with an effective date. Your agency administrators choose which products your advisors see.
Which product types are covered?
Multi-year guaranteed annuities (MYGAs), fixed indexed annuities (FIAs) and registered index-linked annuities (RILAs).
Can clients see the comparison?
Clients see what you choose to show them: a saved proposal you print or share as a PDF. The comparison tool itself is for professionals only.
Does InsurFlex sell annuities or recommend products?
No. InsurFlex is software. It organizes product and rate information so that you can make and document your own recommendation.
Which modules are included?
Every account includes the Compare module, along with proposals, client records and agency management. The Transfers and Suitability modules are add-ons licensed separately. Illustrate is licensed by carriers: when a carrier enables it, advisors can illustrate that carrier's products directly from Compare. Contact us for licensing terms and availability.
Can I see the rates that were available on a past date?
Yes. Every rate sheet is kept with its effective date, so you can run a comparison as of any earlier date, and saved proposals always show the rates as they were when presented.
Contact
Get started
Tell us a little about your practice or firm and we'll set up a demo and your account.
- Emailinfo@InsurFlex.com
- Already have an account?Sign in to InsurFlex