AG Simulator review: pricing, features and client output
AG Simulator runs back-tested annuity simulations and builds branded client reports. Its Proposal Kit uses Claude to turn notes, fact finders and carrier illustrations into a multi-page PDF proposal.
It comes with an Annuity Giants training membership, at $99 a month or $990 a year.
- Best for
- Annuity agents who want training, back-tested simulations and branded proposals in one membership
- Type
- Annuity simulation and presentation tool
- Lines
- Fixed indexed annuities and MYGAs
- Price
- $99 a month, or $990 a year
- Free trial
- None. Demo by appointment
- What the client gets
- Branded PDF reports and full-screen presentations
- Connections
- None. You upload illustrations and notes
- Contract
- Monthly or yearly membership
Our take
AG Simulator suits annuity agents who also want sales training. The simulator shows clients how an annuity would have done through past markets, and the Proposal Kit turns a case into a polished PDF.
Count the full cost. The Proposal Kit runs on your own paid Claude account.
Treat the back-tests as teaching tools. They use hypothetical rates and aren't carrier guarantees.
Pros
- No cap on clients, reports or proposals
- Historical simulations back to 1998
- Guaranteed and illustrated values labeled on every page
- Your logo, colors and headshot on every output
- Weekly live training in the membership
Cons
- Proposal Kit needs a separate Claude subscription
- No free trial
- Narrow refunds, with 20% kept
- No link to a CRM or carrier system
Plans and pricing
| Plan | Price | Billed | What it adds |
|---|---|---|---|
| Expert Level, monthlyTraining and the simulator | $99 a month | Monthly | Every training module, a weekly live session, AG Simulator, an AI helper and recorded prospect meetings |
| Expert Level, yearlyAdds live coachingBest value | $990 a year | Yearly | Everything monthly has, plus live coaching during client meetings and early features |
Prices in US dollars, as of October 2026, from theannuitygiants.com. The yearly plan works out to $82.50 a month. There is no cap or per-report charge on clients, reports or proposals.
Good to know before you buy
- The Proposal Kit runs inside your own Claude Pro or Max account, which you pay for separately.
- AG's own pages disagree on whether the monthly plan includes the Proposal Kit, so ask before you pay monthly.
Lines and who it fits
- Type
- Annuity simulation and presentation tool
- Products
- Growth FIA, income FIA, MYGA and LTC FIA
- Built for
- Annuity agents, financial professionals and the marketing organizations (IMOs and FMOs) that support them
- How you buy it
- Inside an Annuity Giants membership
FIA means fixed indexed annuity. A MYGA is a multi-year guaranteed annuity.
What goes in
| Source | Format | How it gets in |
|---|---|---|
| Client fact finder | Online form | Filled in by the client or the agent |
| Meeting notes | Notes | Pasted or uploaded into the Proposal Kit |
| Carrier illustrations | Carrier illustration | Uploaded into the Proposal Kit |
| Brochures and rate sheets | Product documents | Uploaded when the case needs them |
Illustrations must match the client's sex, age and state and include the guaranteed page. Rate sheets must be dated.
How it reads documents
- How it reads
- Claude reads the uploaded kit and documents and replies with a summary of the build
- What it checks first
- Sex, age and state on the illustration, then the math before the disclosures
- Who checks
- The agent reviews before presenting
- When it fails
- A wrong sex, age or state stops the build. Missing items are listed
- Vendor claim
- AG Simulator says it checks 1,008 scenarios each night with no failures
You are the check. The kit doesn't link numbers back to the illustration page. Compare the headline figures with the carrier illustration before the client sees them.
Comparisons it builds
- Quick simulation
- Shows how a growth FIA, income FIA or MYGA would have done next to bonds paying the same income
- Portfolio view
- The client's portfolio with and without an annuity
- Income gap
- Income need, income want and the gap between them
- Year by year
- Returns, withdrawals, fees, required distributions and income
Life and annuity illustrations
- Where values come from
- Carrier illustrations for proposals. Historical market data for simulations
- Back-tests
- Runs that start in 1998 or 2000 and end in 2025, using S&P 500 and bond index data
- Guaranteed and illustrated
- Labeled on every page, with income in dollars and as a share of premium
- Assumptions
- Caps, participation rates and fixed rates are your inputs and may not match a real product
- Disclosures
- A Disclosures and Sources page closes every proposal
Simulations are hypothetical and before taxes. Tax and required-distribution figures are rough estimates.
Branding and disclosures
- Branding
- Your logo, colors, firm name, slogan and headshot
- Layout
- A fixed design system for every PDF page
- Editing
- You set the return assumption and the recommendation, then ask for fixes in plain words
- Required wording
- The closing disclosures page can't be dropped
What the client gets
- Formats
- Branded PDF reports, multi-page PDF proposals, full-screen presentations and one-page results
- Length
- Sample proposals run 9, 10 and 22 pages
- Where it's kept
- The finished PDF is saved to the client profile
Tracking and reports
- Client profile
- A checklist of proposal files with sent and delivered status
- Simulations
- Tables and charts for each historical run
Integrations
| Connects to | Type | How | What it does |
|---|---|---|---|
| Claude Pro or Max | AI assistant | Your own account | Runs the Proposal Kit and writes the PDF |
| Carrier illustrations | Document | Upload | Feeds the proposal data pack |
| Fact finder and notes | Client data | Built in | Saved to the client profile |
No AMS, CRM or carrier system connects directly.
Users, security and privacy
Users
- One agent or advisor per membership
- Saved client profiles and proposals
Client data
- The fact finder collects date of birth, assets, health and goals
- Proposal files are processed in your own Claude account
AG Simulator publishes no security certifications. The terms make you responsible for checking inputs and outputs and for your licenses.
Getting started
Book a demo
Book a time online.
Join
The membership creates your simulator login under your email.
Set up Claude
For the Proposal Kit, turn on file creation in Claude Pro or Max.
Gather the case
Fact finder, notes and carrier illustrations with the right sex, age and state.
Build and review
Upload, check Claude's summary, fix anything and present.
Support is by email at support@theannuitygiants.com. Weekly live sessions come with the membership.
Contract and your data
- Term
- Monthly or yearly membership
- Renewal
- Renews on its own
- Canceling
- Cancel before the next billing date
- Refunds
- Only within 10 days of a renewal with no logins, and 20% is kept. Otherwise none
From the Annuity Giants membership terms, checked October 2026.
AG Simulator alternatives
- Annuity AlphaMembership from $229 a monthAnnuity income compared with a brokerage account, for the whole office
- WealthLogixFrom $119 a user a month billed yearlyIUL and FIA presentations with live what-if changes
- Ensight PresentationsQuote onlyPresentations built from carrier illustration ledgers, with a client microsite
- Polly$39 a month for up to 10 usersWeb proposals from life illustrations and P&C quotes
See every option in insurance proposal software.
Frequently asked questions
How much does AG Simulator cost?
It comes with Annuity Giants membership at $99 a month or $990 a year. Check that the Proposal Kit is included before you pay monthly.
Do I need Claude to use AG Simulator?
Only for the Proposal Kit, which needs your own Claude Pro or Max account.
Which annuities does AG Simulator cover?
Growth and income FIAs, MYGAs and LTC FIAs.
Can I get a refund?
Only within 10 days of a renewal with no logins, minus 20%.
How we researched this review. We based this review on the pricing, terms and product pages published by AG Simulator, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan AG Simulator quit selling or a contract term that reads different now, let us know and send the link to the page where AG Simulator has it. Somebody here pulls up that page and checks it before we change anything on ours.