Compare in-plan income products and finish with a documented proposal.
Recordkeeper availability
ACME CO.Acme Co. proposal
STEP 8 OF 9Reviewed by counsel
The Wagner Law Group reviewed the platform in an opinion letter.
The decision
You compare product designs across insurers, confirm each insurer can meet its obligations, and show the cost is reasonable. Then you document all of it.
SECURE Act safe harbor, step by step
From the fiduciary checklist
Insurer’s written representation obtained
Attestation letters are reviewed in the platform and included with the final proposal.
Insurer financially capable
The fiduciary has no other information that would call the representation into question.
Cost reasonable for the benefits
The cost of the annuity contract is weighed against its features and benefits.
The proposal workflow
Each step builds the record, so the proposal documents how you chose, not just what.
Evaluate and select a product
STEP 5 OF 9The platform
Product details across insurers, payout estimates and recordkeeper availability, in the same place you build the proposal.
Payouts, fees, liquidity and insurer details for in-plan income products, side by side.
Product data
IN-PLAN INCOME · ALL INSURERSEstimate monthly and annual payouts for a participant, product by product.
Income calculator
AGE 45 → 65$3,950a month, for life
See which income products each recordkeeper supports before you propose one.
Recordkeeper availability
3 OF 4How it’s different
Advisors already make this call. The platform keeps every piece of evidence in the proposal.
| By handSpreadsheets, brochures, email | With NestimateOne proposal, start to finish | |
|---|---|---|
| Compare products | Insurer materials, one product at a time | Payout, fee type, liquidity and insurer side by side, across fixed, fixed indexed and variable annuities |
| Check the insurer | Ratings looked up separately | AM Best, Moody’s and S&P ratings on each insurer, with rating changes flagged |
| Recordkeeper fit | Confirmed separately with the recordkeeper | Availability by recordkeeper, before you propose a product |
| Safe harbor | A checklist kept in another file | Each SECURE Act requirement checked inside the proposal, with insurer attestation letters |
| The record | Notes, emails and PDFs in different places | One PDF: rationale, attestation letters, product literature and the completed checklist |
The proposal
The selected product, your rationale and the insurer attestations, documented in one PDF.
How each product fits your participants
Fixed indexed annuities, ranked by participant fit
Product A fits 91% of participants, the strongest of six products evaluated.
The selected product and why, with the full evaluation behind it.
Safe harbor attestations from each insurer ship with the proposal.
Product materials download alongside the proposal.
Each safe harbor requirement, checked and recorded.
Reviewed by counsel
The Wagner Law Group reviewed the Nestimate platform in an opinion letter.
“Nestimate may be an evolving best practice for Fiduciary Advisors engaged to provide annuity selection advice to Plan clients.”
FAQ
Short answers here. Walk through a full proposal with our team.
Fixed, fixed indexed and variable annuities. Each product shows its payout, fee type (explicit, implicit or both), liquidity and insurer.
Answer pending from Nestimate.
Answer pending from Nestimate.
Answer pending from Nestimate.
Answer pending from Nestimate.
Talk with our team and walk through a sample proposal built for a plan like yours.
Why Income product A
Fixed indexed annuity · Insurer A