Which index has done best, and who offers it?

Your AI ranks indexes by their own past returns. Then it finds the accounts on the top one that your client can buy.

1. 1.

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   Using Annuities Genius: I'm paid by commission. Rank market indexes by their 5-year return, using live history only. Give each one's type and launch date. Then list the FIA accounts on the top index for my client: 60, Missouri, $100,000 of non-qualified money. Show each product's best account with cap or participation rate and the 10-year backtest net of fees. Say how each product is sold. I decide.

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2. 2.

   Check each index's type and launch date.

   The top index may be gold, not stocks. An index younger than the period has no real return for it. Under 10 years old, part of its backtest is back-calculated.

3. 3.

   Read the accounts as a shortlist, not a pick.

   An index return is not what an account credits. A backtest is not a forecast, and it leaves out rider fees. Keep rankings and backtests for yourself unless the carrier approves them for clients.