Credits, Plans & Pricing
Your credits are used when you use Annuities Genius tools to work on a case not when you create a client.
For example, credits may be used when you:
- Run a quote
- Generate an illustration
- Use GrantAI
- Use other credit-based tools
Your plan includes a set number of credits each month, and your balance resets with each billing cycle. If you need more, additional credits can be purchased.
How do I get credits?
Credits are included with every subscription. The number of credits you receive each month depends on your plan.
Your credits reset every month, whether you have a monthly or annual subscription. Annual plans receive the same monthly credit allocation but offer discounted pricing.
Below are the credit allocations for each plan. See Annual Billing for annual pricing.
| Plan | Price | Monthly credits | Includes |
|---|---|---|---|
| Starter | $99/month | 1,000 | GrantAI Copilot, Annuity Navigator |
| Prime+ | $199/month | 3,000 | Everything in Starter, plus Annuity Marketplace |
| Genius | $299/month | 6,000 | Everything in Prime+, plus Freedom Questionnaire |
Annual Billing
How does annual billing work?
Annual billing gives you 2 months free. You pay for 10 months and receive 12 months of access. Your subscription renews automatically at the end of each billing period unless you cancel before renewal.
Here's an annual pricing chart that matches the style of your monthly chart.
| Plan | Annual Price | Equivalent Monthly | Monthly Credits |
|---|---|---|---|
| Starter | $990/year | $83/month | 1,000 credits |
| Prime+ | $1,990/year | $166/month | 3,000 credits |
| Genius | $2,990/year | $209/month (billed annually) | 6,000 credits |
Important Notes
Credits work the same for monthly and annual subscriptions. Your credits reset every month based on your plan, regardless of how you’re billed.
Annual subscriptions simply offer discounted pricing while providing the same monthly credit allocation as the equivalent monthly plan.
If you run out of credits before your next monthly reset, you can upgrade your plan or purchase additional credit packs at any time by clicking on the buy button.
https://app.annuitiesgenius.com/credits
| Pack | Price |
|---|---|
| 1,000 credits | $29 |
| 2,500 credits | $49 |
| 5,000 credits | $99 |
Credits are tied to your account and what you do on the platform - not to how many clients you have. Creating or adding a client doesn't use credits; only the actions below do.
Monthly Credit Renewal
When do my credits renew?
Your monthly credit allowance refreshes at the beginning of each billing cycle. Any unused monthly credits expire at the end of the billing cycle and do not roll over into the next month.
Trial Accounts
Do trial accounts receive credits?
Yes. Trial accounts receive the monthly credit allowance included with the selected plan so you can fully explore the platform's features. When your trial converts to a paid subscription, a new billing cycle begins with a fresh monthly credit allowance.
What uses credits, and how much?
Credits are used when the platform fetches new data, generates a document, or runs AI for you:
| Action | Credits | When charged |
|---|---|---|
| Platform actions that use credits (e.g., running a quote) | 15 | When the action completes successfully |
| Illustration generated by Annuities Genius | 20 | After the illustration finishes successfully |
| Official carrier illustration | 25 | After the illustration finishes successfully |
| Grant AI / Copilot | ~1 per $0.01 AI usage (metered) varies with the size of the task - longer or more complex responses use more credits | After each successful AI response |
One important note on Grant AI: if the AI runs an action for you as part of its response for example, it pulls a quote or generates an illustration on your behalf the action's credits (15, 20, or 25) are charged in addition to the metered AI usage.
this table below shows an example of how credits are applied to common actions in Annuities Genius. It demonstrates which actions use credits, helping you understand how credits are deducted during normal use.
If I generate the same illustration/quoting tool multiple times, do I get charged each time?
There is a 15-minute window gives you time to work on and modify the same request without using additional credits. Any changes or reruns made within that window are treated as part of the same request.
Once 15 minutes have passed, we consider that request complete. If you run it again after that, it’s treated as a new request and the applicable credits will be used.
Viewing or downloading previously generated results does not use additional credits.
If an illustration fails or shows an error, do I lose credits?
No. Credits are only deducted after an illustration is successfully generated. If the request fails or errors before completion, no credits are used.
If GrantAI or Copilot doesn't finish its response, do I lose credits?
No. Credits are only deducted after GrantAI or Copilot successfully completes a response. If the request fails before completion, no credits are used.
Does refreshing the page use credits?
No. Refreshing or reloading a page never uses credits. Credits are only deducted when you intentionally perform a credit-based action, such as generating a quote, illustration, or AI response.
Can I view or download a previously generated illustration again?
Yes. Once an illustration has been successfully generated, you can view or download it as many times as you'd like at no additional cost.
Can I see my credit usage?
Yes. You can view your Credit History at any time to see your current balance, credits used, purchased, adjusted, expired, and your remaining available credits.
Can Support restore credits?
If you believe credits were deducted because of a technical issue or an unexpected error, please contact Support. We'll review your account activity and determine whether a credit adjustment is appropriate
Plan Transition
What happens to existing and legacy plans?
- All subscriptions, including legacy plans, are transitioning to the current credit-based plan structure.
- Your account will move to one of the current plans Starter, Prime+, or Genius with a monthly credit allowance based on your plan.
- For monthly subscriptions, the transition will take place according to the communicated migration schedule. If you're on an annual subscription, your current plan will remain in place through the end of your existing billing term, and the new plan and credit structure will begin at renewal.
- Once transitioned, credits will refresh monthly according to your new plan, regardless of whether you are billed monthly or annually.
Need Help?
Still have questions?
If you have questions about credits, plans, or billing, contact our Support team.
Email: help@annuitiesgenius.com
Phone: (949) 600-7707
Hours: Monday–Friday, 7:00 AM–4:00 PM Pacific