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Where To Buy Annuities -

Known for a simplified, jargon-free online experience and low-risk fixed annuities.

These companies offer "no-load" (commission-free) contracts issued by third-party insurers. 5. Online Annuity Marketplaces where to buy annuities

Buying directly from the source is a common starting point. Many insurance giants allow you to purchase products through their own "captive" agents—professionals who work exclusively for that company. Known for a simplified, jargon-free online experience and

Banks like Bank of America or Wachovia act as distributors rather than issuers. Known for a simplified

A platform designed for speed, allowing users to complete the process without an agent.

Independent brokers and "fee-only" fiduciary advisors represent multiple insurance companies rather than just one.

 {
    "type": "switch",
    "name": "31141235efb12D367",     //YOUR DEVICE ID
    "url": "smartnest.cz",
    "username": "USERNAME",
    "password": "PASSWORD or API KEY",
    "topics": {
        "getOnline": "31141235efb12D367/tele/LWT",         //CHANGE HERE TOO
        "getOn": "31141235efb12D367/stat/POWER",
        "setOn": "31141235efb12D367/cmnd/POWER"
    },
    "onlineValue": "Online",
    "offlineValue": "Offline",
    "onValue": "ON",
    "offValue": "OFF",
    "accessory": "mqttthing"
}

{
    "type": "lockMechanism",
    "name": "31141235efb12D367",         //YOUR DEVICE ID
    "url": "smartnest.cz",
    "username": "USERNAME",
    "password": "PASSWORD or API KEY",
    "topics": {
        "getOnline": "31141235efb12D367/report/online",        //CHANGE HERE TOO
        "getLockCurrentState": "31141235efb12D367/report/lockedState",
        "getLockTargetState": "31141235efb12D367/report/lockedState",
        "setLockTargetState": "31141235efb12D367/directive/lockedState"
    },
    "lockValues": [
        "false",
        "true",
        "Jammed",
        "Unknown"
    ],
    "accessory": "mqttthing"
}

{
    "accessory": "mqttthing",
    "type": "thermostat",
    "name": "31141235efb12D367",     //YOUR DEVICE ID
    "url": "smartnest.cz",
    "username": "USERNAME",
    "password": "PASSWORD or API KEY",
    "topics": {                                                //CHANGE HERE TOO
        "getCurrentHeatingCoolingState": "31141235efb12D367/report/mode",
        "setTargetHeatingCoolingState": "31141235efb12D367/directive/mode",
        "getTargetHeatingCoolingState": "31141235efb12D367/report/mode",
        "getCurrentTemperature": "31141235efb12D367/report/temperature",
        "setTargetTemperature": "31141235efb12D367/directive/setpoint",
        "getTargetTemperature": "31141235efb12D367/report/setpoint",
        "setTemperatureDisplayUnits": "31141235efb12D367/directive/scale",
        "getTemperatureDisplayUnits": "31141235efb12D367/directive/scale"
    },
    "heatingCoolingStateValues": [
        "Heat",
        "Cool",
        "Auto"
    ],
    "temperatureDisplayUnitsValues": [
        "C",
        "F"
    ],
    "minTemperature": 10,        //Change if you use Fahrenheit
    "maxTemperature": 30,        //Change if you use Fahrenheit
    "restrictHeatingCoolingState": [
        0,
        1
    ]
}

{
    "accessory": "mqttthing",
    "type": "temperatureSensor",    
    "name": "31141235efb12D367",     //YOUR DEVICE ID
    "url": "smartnest.cz",
    "username": "USERNAME",
    "password": "PASSWORD or API KEY",
    "caption": "Temperature",
    "topics": {                                                //CHANGE HERE TOO
        "getCurrentTemperature": "31141235efb12D367/report/temperature"
    },
    "history": true,
    "minTemperature": 10,        //Change if you use Fahrenheit
    "maxTemperature": 30        //Change if you use Fahrenheit
}

 {
    "accessory": "mqttthing",
    "type": "fan",
    "name": "31141235efb12D367",     //YOUR DEVICE ID
    "url": "smartnest.cz",
    "username": "USERNAME",
    "password": "PASSWORD or API KEY",
    "caption": "Fan",
    "topics": {                                    //CHANGE HERE TOO
        "getOn": "31141235efb12D367/report/powerState",
        "setOn": "31141235efb12D367/directive/powerState",
        "getRotationSpeed": "31141235efb12D367/report/percentage",
        "setRotationSpeed": "31141235efb12D367/directive/percentage"
    },
    "integerValue": false,
    "onValue": "ON",
    "offValue": "OFF",
    "turnOffAfterms": 3600000
}