For annuity and guaranteed-income producers
Two checks become one.
When the first spouse dies the household keeps the larger check and loses the smaller. We size that gap against their real record.
The software has no opinion about products and never will. Product selection stays with you.
No account. No card. Your link arrives by email so you can get back in.
Household income
$5,603/mo$3,398/mo
−$2,205 · −39.4% drop
No Social Security number ever enters the platform.
Every monthly claiming age from 62 to 70, computed in code — not generated by a large language model (LLM).
SOC 2 Type I report issued. Type II examination under way.
A Registered Social Security Analyst® available on complex cases.
One-click earnings record with our Chrome extension — live on the Chrome Web Store.
The survivor line, in the product
The same walkthrough the broker page shows. The survivor line is at 0:48 — the household’s strategy page showing what continues after the first death.
Product walkthrough · about two minutes · silent, captioned on screen · transcript below the video.
Transcript
The walkthrough is silent; its captions are on screen. It runs about two minutes.
It opens on the advisor dashboard, opens a completed analysis for a married household, and shows the recommended strategy with the dollar page: every claiming age from 62 to 70 with the monthly, annual and lifetime figures. It compares two claiming ages, charts total money received over time, then shows break-even, longevity and spousal coordination — the survivor benefit sits on that screen — and, at 0:48, the survivor line on the household’s strategy page.
The second half is the client side: the client signs in to ssa.gov, clicks once, and the earnings record arrives — no Social Security number, no download, no re-upload.
The software has no opinion about products and never will. Product selection stays with you.
What is behind the number
The survivor view, on screen
What the household keeps after the first death — the larger check stays, the smaller of the two checks stops. Sized against the real record, not a rule of thumb.
Every month, 62 to 70, both spouses
Every monthly claiming age against the household’s record, across three planning horizons, computed in code — the survivor floor rule included.
A tailwind, not a warning
WEP and GPO were repealed in January 2025. SSA paid $7.5 billion to 1,127,723 people, an average of $6,710 (SSA release, March 2026).
A first client who is one of you
A Medicare-and-annuity producer is our first paying advisor client.
Three steps, one appointment
The client clicks once on ssa.gov.
The record arrives; nothing else does.
Every claiming month from 62 to 70 runs for both spouses.
About a minute, computed in code.
Open the survivor view.
The household after the first death, sized against the record. The conversation is yours.
What it pays
The claiming date sizes the income gap. Get the date right first, and the product conversation starts from a number the client can see rather than a number you assert.
$1,990
Professional, 25 households a year — about $80 each.
5
analyses billed at the published floor of $400, and the license is paid for.
Your number
Ask what one placed annuity pays you, then set it beside the license.
The analysis runs before any product, so the recommendation is one you can defend. The gap is on the screen before anyone mentions an annuity.
Analysis fees are the range RSSAs publish, which starts at $400 (rssa.com). Capacity above 25 households is priced on a call. The arithmetic is ours and checkable.
Compared with how it happens today
| What the client sees | "Call SSA" | Generic calculator | In your appointment |
|---|---|---|---|
| The survivor line, sized against the real record | — | — | Yes |
| Both spouses, every month from 62 to 70 | — | Partial | Yes |
| Someone they already trust, licensed to advise on it | — | — | You |
Who this is not for
Anyone who wants the software to recommend a product — it has no opinion about products and never will. Anyone who wants a survivor figure without the household’s real record.
What producers ask first
"Best-interest rules — I can't have software steering product."
It doesn't. The tool sizes the household's Social Security income gap and has no opinion about products. Product selection stays with you.
"Overstating a survivor gap makes me look worse than skipping it."
Agreed — which is why the survivor floor rule (82.5% of PIA when the deceased claimed early) is in the code, not in someone's head.
"My clients already have a planner."
Most planning stacks treat Social Security as a single tab and never show the survivor line. You're adding the number nobody has shown them, not replacing anyone.
"How is this different from the free calculators?"
Free calculators compare whole ages for one person. This runs every month from 62 to 70 for the household, against the real record, and puts the survivor view and the net-benefit view on screen.
"Prove it."
Open the survivor case in the live demo. If the conversation isn't obvious in five minutes, close the tab — nothing follows you.
See the survivor view in the demo
Three fields. Straight into the survivor case — the household before and after the first death.