Annuity Product Data Scraper

Extract annuity product details including riders, surrender schedules, and base contract fees from major insurance carriers.

Features

• Comprehensive Carrier Coverage: Supports 20 major annuity carriers including Allianz, Athene, Jackson, Lincoln, Nationwide, Pacific Life, Prudential, and more
• Product Types: Fixed, Fixed Indexed (FIA), Variable (VA), RILA, MYGA, SPIA, DIA
• SEC EDGAR Integration: Variable annuity data extracted from official 485BPOS prospectus filings
• Rider Extraction: GLWB, GMIB, GMAB, Death Benefits, LTC Waivers with fee details
• Surrender Schedules: Year-by-year surrender charge extraction
• Fee Analysis: M&E charges, admin fees, rider costs, and total cost calculations
• Index Options: S&P 500, Russell 2000, NASDAQ-100, MSCI EAFE, and more
• State Availability: Check product availability by state

Supported Carriers

Carrier	Product Types	Status
Allianz	FIA, VA	Active
American Equity	FIA, MYGA	Active
Athene	FIA, MYGA, VA	Active
Brighthouse	VA, FIA	Active
Equitable	VA, RILA	Active
Fidelity & Guaranty	FIA	Active
Global Atlantic	FIA	Active
Great American	FIA	Active
Jackson	VA, RILA	Active
John Hancock	VA	Active
Lincoln	VA, FIA	Active
MassMutual	FIA	Active
Nationwide	VA, FIA	Active
North American	FIA	Active
Pacific Life	VA, FIA	Active
Protective	VA	Active
Prudential	VA	Active
Security Benefit	FIA, VA	Active
Symetra	FIA	Active
Transamerica	VA, FIA	Active

Input Parameters

Parameter	Type	Required	Description
searchType	enum	Yes	Search method: carrier, productName, productType, cusip, all
carriers	array	No	Carrier codes to search (e.g., ["JACKSON", "LINCOLN"]). Leave empty for all carriers
productName	string	No	Product name to search (partial match supported)
productTypes	array	No	Product types to filter: FIXED, FIXED_INDEXED, VARIABLE, RILA, MYGA, SPIA, DIA (default: ["FIXED_INDEXED", "VARIABLE", "RILA"])
cusip	string	No	Product CUSIP identifier
includeRiders	boolean	No	Include rider information (default: true)
includeSurrenderSchedule	boolean	No	Include surrender schedule (default: true)
includeBaseFees	boolean	No	Include base contract fees (default: true)
includeIndexOptions	boolean	No	Include index crediting options (default: true)
includeSubaccounts	boolean	No	Include subaccount listings for VAs (default: false)
stateAvailability	string	No	Check product availability in specific state (2-letter code)
maxResults	integer	No	Maximum products to retrieve (default: 50, max: 500)
proxyConfiguration	object	No	Proxy settings for requests

Output Format

Each product is pushed as a separate dataset item. Example item:

{
  "carrier": "JACKSON",
  "carrierName": "Jackson National",
  "productName": "Perspective II",
  "productType": "VARIABLE",
  "cusip": "46647M102",
  "dataSource": "SEC_EDGAR",
  "dataSourceVerified": true,
  "secFiling": {
    "accessionNumber": "0001193125-25-123456",
    "filingDate": "2025-12-15",
    "documentUrl": "https://www.sec.gov/Archives/...",
    "formType": "485BPOS"
  },
  "fees": {
    "annualContractFee": 30,
    "adminFee": 0.20,
    "meRiskFee": 1.30,
    "totalAnnualFees": 1.53
  },
  "surrenderSchedule": [
    { "year": 1, "chargePercent": 8 },
    { "year": 2, "chargePercent": 8 }
  ],
  "surrenderYears": 7,
  "riders": [
    {
      "name": "LifeGuard Freedom Flex",
      "type": "GLWB",
      "annualFee": 1.15,
      "feeType": "percent_of_benefit_base",
      "description": "Guaranteed Lifetime Withdrawal Benefit - provides guaranteed income for life"
    }
  ],
  "indexOptions": [],
  "subaccountCount": 85,
  "dataQuality": {
    "hasRiders": true,
    "hasSurrenderSchedule": true,
    "hasBaseFees": true,
    "hasIndexOptions": false,
    "completenessScore": "100%"
  },
  "scrapedAt": "2026-01-02T12:00:00.000Z"
}

Example Use Cases

1. Find All GLWB Riders for FIA Products

{
  "searchType": "productType",
  "productTypes": ["FIXED_INDEXED"],
  "includeRiders": true,
  "includeBaseFees": true
}

2. Compare Jackson Products

{
  "searchType": "carrier",
  "carriers": ["JACKSON"],
  "includeRiders": true,
  "includeSurrenderSchedule": true,
  "includeBaseFees": true
}

3. Search by Product Name

{
  "searchType": "productName",
  "productName": "Perspective",
  "includeRiders": true
}

4. Get All RILA Products

{
  "searchType": "productType",
  "productTypes": ["RILA"],
  "includeIndexOptions": true,
  "includeBaseFees": true
}

Data Sources

1. SEC EDGAR (Variable Annuities): 485BPOS prospectus filings from the SEC containing legally-required fee disclosures, surrender schedules, and rider information
2. Static Product Database (RILA/FIA/MYGA): Curated product data for non-variable annuity types that do not file SEC 485BPOS forms

Rider Types Explained

Type	Description	Typical Fee Range
GLWB	Guaranteed Lifetime Withdrawal Benefit - Income for life	0.75% - 1.50%
GMIB	Guaranteed Minimum Income Benefit - Annuitization guarantee	0.50% - 1.00%
GMAB	Guaranteed Minimum Accumulation Benefit - Principal protection	0.25% - 0.75%
DEATH_BENEFIT	Enhanced death benefit options	0.10% - 0.50%
LTC_WAIVER	Nursing home/long-term care surrender waiver	Often free
BONUS	Premium bonus credits	N/A (built into product)

Fee Categories

Category	Description	Typical Range
M&E Risk	Mortality & Expense charge	0.50% - 1.50%
Admin Fee	Administrative fee	0.10% - 0.35%
Annual Fee	Flat contract fee	$0 - $50
Fund Expense	Subaccount costs (VA only)	0.50% - 2.00%
Spread	Index strategy spread (FIA/RILA)	0% - 2.00%

Limitations

• Variable annuity data depends on SEC EDGAR filing availability and HTML parsing accuracy
• RILA/FIA product data is from a static database and may not reflect the most recent product changes
• Subaccount listings may be incomplete for older products
• State availability information may require verification with carrier

Support

For questions or issues, please open an issue in the repository or contact the actor maintainer.

License

MIT License