Making Variable Annuities transparent and understandable.
Variable Annuities are among the most complex financial products available to consumers. With multiple guarantee types, layered fee structures, and market-dependent outcomes, it's nearly impossible to understand what you're buying from a product brochure alone.
We built VariableAnnuityGuide.com to change that. Our interactive calculator uses the same mathematical models employed by insurance companies — but presents the results in plain English, with transparent visualizations that show exactly how your money grows, how fees accumulate, and when guarantees kick in.
VariableAnnuityGuide.com is developed and operated by Raganele Consulting, an independent consultancy specialising in quantitative finance and insurance technology.
The computation engine is powered by MatLogica AADC (AAD Compiler) — the same high-performance technology used by leading insurance companies and financial institutions worldwide for derivatives pricing, risk management, and regulatory compliance.
By combining deep actuarial expertise with institutional-grade computation, VariableAnnuityGuide.com brings the same mathematical models used by insurance companies directly to consumers, financial advisers, and actuarial teams — with a user-friendly interface instead of a quant terminal.
We believe that everyone considering a Variable Annuity deserves to understand it fully — not just the sales pitch, but the real mechanics. Whether you're a consumer comparing products, a financial adviser serving clients, or an actuary building better products, we're here to make VA analysis accessible, accurate, and transparent.