AI prompt to compare annuities for a client

Clients weighing annuities need to see the trade-offs clearly before any recommendation. This prompt turns the details of two or three annuities into a neutral side-by-side table and flags the suitability questions to review, and the AI quoting tool below compares carrier options for you.

Below is a ready-to-copy prompt to compare annuities for a client, a detailed version that asks you clarifying questions first, and 1 specialized AI tool (unLocked CRM) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Compare these annuity options for [Client], age [age], whose goal is [goal]. Annuity A: [Annuity A details]. Annuity B: [Annuity B details]. Annuity C: [Annuity C details]. Build a side-by-side table covering product type (fixed, fixed indexed, MYGA or variable), guaranteed and current rates or caps, surrender period and charges, riders and their costs, fees, and liquidity (free withdrawals and access to money). Then explain the main trade-offs in plain language. Do not recommend a product; finish with the suitability questions and state rules I should review before any recommendation.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the product type, the client's life stage and the format). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Compare these annuity options for [Client], age [age], whose goal is [goal]. Annuity A: [Annuity A details]. Annuity B: [Annuity B details]. Annuity C: [Annuity C details]. Build a side-by-side table covering product type (fixed, fixed indexed, MYGA or variable), guaranteed and current rates or caps, surrender period and charges, riders and their costs, fees, and liquidity (free withdrawals and access to money). Then explain the main trade-offs in plain language. Do not recommend a product; finish with the suitability questions and state rules I should review before any recommendation.

What a good result looks like

A good comparison puts two or three annuities in one neutral table: product type, guaranteed and current rates or caps, surrender period and charges, riders and what they cost, fees, and how much money the client can reach each year without a charge. It explains the trade-offs in plain words, such as a higher rate in exchange for a longer surrender period, and ends with the suitability questions to cover. It doesn't pick a winner.

Common mistakes and watch-outs

Take rates, caps and surrender schedules from the carrier's current materials or illustration, not memory or an old brochure, and note the date you checked them. Compare like with like: a MYGA's guaranteed rate, a fixed indexed annuity's cap or participation rate and a variable annuity's fees work differently. Variable annuities also need a securities license and the prospectus. Suitability, best-interest and replacement rules apply before any recommendation, and some states add their own requirements. AI quoting tools such as unLocked can rank options, but the recommendation is yours.

How to adapt the prompt

For an income goal, add rows for income rider roll-up, withdrawal percentage and rider fees. For a client focused on safety, add the guarantee period and renewal-rate terms. Ask for a short client-friendly summary under the table, or a version without product names to use in an early conversation.

EXAMPLE output (placeholder data, not a real client)

Annuity comparison - [Client], age [age], goal: [goal]

| Item | Annuity A | Annuity B | Annuity C |
| Type | MYGA | Fixed indexed | Variable |
| Rate / cap | [Rate] guaranteed for [Term] | Cap [Cap], participation [Rate] | Depends on subaccounts |
| Surrender period | [Years] years, [Schedule] | [Years] years, [Schedule] | [Years] years, [Schedule] |
| Riders | [Rider] | Income rider, [Fee] | [Rider], [Fee] |
| Fees | [Fees] | [Fees] | M&E [Fee], fund fees [Fee] |
| Free withdrawals | [Percent] a year | [Percent] a year | [Percent] a year |

Trade-offs: A offers a set rate but locks money up for [Term]; B offers upside with a cap; C offers market exposure with higher fees.

To review before any recommendation: time horizon, need for access, risk tolerance, existing annuities (replacement rules), state rules.

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Fill in the placeholders. Replace [Client], [age], [goal] and [Annuity A details] with your own details.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use unLocked CRM as described below.
Review before you use it. Follow suitability and best-interest rules; no projections or guarantees beyond approved materials. Check every fact, name and number yourself.
Take the next step. Next, see: Prepare an annuity suitability conversation.

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

unLocked CRM site ↗

AI CRM for insurance agents; its Annuity Quote AI compares rates, surrender schedules and income riders across 35+ annuity carriers (FIA, MYGA, SPIA) from a plain-English request.

How to use it

In unLocked's Annuity Quote AI, describe [Client]'s case in plain English (age, product type such as FIA or MYGA, term and income goal) and ask for a side-by-side comparison of rates, surrender schedules and income riders across carriers. Use its ranking as a starting point; the suitability review and the final recommendation stay with you.

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Follow suitability and best-interest rules; no projections or guarantees beyond approved materials.
Review every AI output for accuracy and compliance before you use it.

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