Ryan Wood
Licensed Insurance Agent for Life and Health and Property and Casualty.
About Ryan Wood
Ryan Wood is a licensed insurance agent and Agent Development Director at Local Life Agents with 12+ years of experience. He is licensed for life and health and property and casualty. His resident state is Ohio. He qualifies for MDRT at base-level production.
He is the primary voice on our life and health content — life insurance, annuities, disability, and long-term care. His articles and Expert Tips come from placing coverage, not summarizing carrier brochures.
Articles by Ryan Wood
Actuarial Guideline 49
Actuarial Guideline 49 limits the rate an IUL illustration can show. See what AG 49, AG 49-A, and AG 49-B changed, and how to read a current illustration.
September 27th, 2026
IUL Calculator
Estimate IUL cash value and tax-free income from your age and monthly savings. See coverage and cash value at 67 before you request an illustration.
September 27th, 2026
Annuities vs 401(k)
Annuities vs 401(k) is a sequence: capture the full employer match first, then use an annuity only for lifetime income or a protected slice of savings.
September 27th, 2026
Annuities vs CDs
Compare annuities vs CDs on the same term: tax timing, FDIC versus insurer backing, and exit rules. See when the full balance should stay in the CD.
September 27th, 2026
Annuities vs Life Insurance
See how annuities vs life insurance split opposite risks: a death benefit if you die early, and lifetime income if you live longer than your savings.
September 27th, 2026
Annuity Beneficiary Rules
Annuity beneficiary rules explain who inherits, how a spouse continues the contract, how gain is taxed, and when a payout form leaves heirs nothing.
September 27th, 2026
Best FIA Companies
The best FIA company depends on surrender period, index mix, and rider needs. See our top picks for 5-, 7-, and 10-year designs—then compare illustrations.
September 19th, 2026
Best MYGA Companies
The best MYGA company depends on term, premium band, and financial strength. See our top pick for 2-, 5-, 7-, and 10-year locks—then compare illustrations.
September 19th, 2026
Best SPIA Companies
The best SPIA company is the issuer that pays the most on your age, gender, and payout form. See our top picks for 5-, 7-, and 10-year period certain—then compare illustrations.
September 19th, 2026
Best FIA Rates
Compare this month's best FIA rates. See how cap, participation, and spread pay — plus a September 2026 cap snapshot from Local Life Agents.
September 19th, 2026
How Do Annuities Work?
How do annuities work? You pay premium in, the insurer credits tax-deferred growth, and withdrawals or annuitization pay income that is hard to undo.
September 27th, 2026
Top MYGA Rates
Compare this month's top MYGA rates by term. September 2026 tables rank guaranteed yields, minimum premiums, and carriers from Local Life Agents filings.
September 19th, 2026