AnnuityRatesHQ

Build a transparent equal-allocation educational MYGA ladder for 2–5 requested terms using current public rate rows. Shows candidates, assumptions, separate maturity dates, citations, and unavailable rungs; it is not personalized advice.

build_myga_ladder_scenario

Compare 2–4 exact canonical ARHQ product URLs under one shared state/premium/age/timeline scenario. Returns factual fields and per-source citations without ranking suitability or recommending a purchase.

compare_annuity_products

Explain ARHQ MCP provenance, numeric context, null semantics, response bounds, citation rules, and recommendation limits. Use this when evaluating how to cite or interpret another ARHQ tool result.

get_arhq_methodology

Use when assessing freshness, outages, or whether zero results are trustworthy. Returns data.sources with bounded per-family status, source vintage, record count, coverage statement, canonical URL, and explicit failure reason; it does not expose infrastructure or licensed source details.

get_arhq_data_health

Get one public ARHQ carrier profile by carrier slug, including dated public ratings and canonical product-page coverage. Returns unavailable rather than guessing when the slug does not resolve.

get_annuity_carrier

Get normalized public details for one canonical ARHQ MYGA/FIA product page or RILA review URL. Never accepts or returns licensed source IDs; unavailable fields are null and source failures are explicit.

get_annuity_product

Get bounded public MYGA/FIA rate and availability changes observed by the daily CANNEX refresh. Includes prior/new values, observation time, cohort size, source context, and canonical ARHQ links.

get_annuity_rate_changes

Get current values from the coherent 11-series public Annuity Rate Index contract. Returns normalized percentage points or monthly income, exact per-series cohort/sample sizes, source vintage, and explicit trend availability. Null delta and an empty series mean history is withheld—not no change.

get_annuity_rate_index

Search public ARHQ MYGA, FIA, RILA-review, and FIA-income records. Returns bounded, paginated results with canonical ARHQ URLs, explicit unavailable families, source vintage, and null-safe rate fields.

search_annuity_products

Use for current MYGA questions that specify a guarantee term. Returns data.results with rate_percent, rate_kind, carrier, AM Best rating, premium bounds, canonical product URL, exact applied filters, source vintage, and filter-bound pagination; factual sorting is not a recommendation.

search_myga_rates