Free Annuity Review and Second Opinion

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What is your biggest concern?

Tap one. We'll show you what we check first.

The date that sets you free

Every annuity has a date when its surrender charge ends. It's on your statement, but nobody circles it. We find it first, along with how much you can take out each year with no charge.

What we look for

The 5 numbers that matter

Some of these are on your statement. The rest come from your in-force illustration. We pull them together and explain each one in plain English.

1Your surrender dateThe day you can move your money without a charge.

2Your free withdrawalHow much you can take out this year at no cost.

3Your yearly costFees and riders, turned into real dollars.

4How it will performThe years ahead, from your insurance company's own illustration.

5What your family getsIt isn't always the biggest number on the page.

Many of the annuities we review are good products. If yours is, we will tell you.

Worth knowing

Older contracts may be golden.

Many annuities bought years ago have guarantees and benefits that are hard to find today. Plenty of owners don't realize what they have. Sometimes the person who sold it didn't either. Before anyone suggests a change, find out what yours is worth keeping.

GuaranteesSome older contracts promise rates or income that newer ones no longer offer.
RidersSome insurance companies now offer to buy back valuable riders. Know what yours is worth first.
Our promiseIf your annuity is a good one, we will tell you to keep it.

What you get back

Your first look, in plain English

A statement alone rarely tells the whole story. From your photo, a real person on our team writes back with what we can see so far. Then we get your in-force illustration from your insurance company to see how your annuity will perform in the years ahead.

Your first lookExample

Surrender charge endsMarch 2027

Free withdrawal this year$21,450

Yearly cost, in dollars$2,790

What it earned last year3.1%

What your family would get$221,300

What we see so far: The income rider costs about $2,790 a year. To know how this annuity will perform in the coming years, the next step is your in-force illustration.

Made-up example to show the format. Your numbers will be different.

How it works

How the audit works

A photo gets you a first look. The real answer comes from your insurance company. Here is the whole process, start to finish.

1Send us a photoSnap your statement, answer 6 quick questions, or just call. We look it over and tell you what we can see right away.

2Sign one short formIt gives us permission to ask your insurance company for your in-force illustration. It does not let anyone move your money or change your annuity. If your company uses its own form, we handle that.

3We get your in-force illustrationThis report from your insurance company shows how your annuity is set to perform over the coming years. It is the most honest way to audit an annuity.

4We compare and walk you through itWe compare it with what is available today, so you know if you truly have the best fit. Keep it, adjust it, or change it. Your call, no pressure.

Usually 1 to 2 weeks from start to finish. Most of that is waiting on your insurance company.

Straight answers

Questions people ask

Is it really free?

Yes. There is no cost and no obligation. You don't need a sales call to get your answer.

Who reads my statement?

A real person on The Annuity Audit Team. Reviews are provided by licensed insurance professionals.

Will you tell me to get out of my annuity?

No. Many of the annuities we review are good products, and if yours is, we will tell you. The point is to know what you have before any decisions are made.

Why do you need a signed form?

Your insurance company will only share your in-force illustration with someone you approve. The form gives us that permission. It does not let anyone move your money or change your annuity.

How long does the full audit take?

Usually 1 to 2 weeks. Your first look from the photo comes much sooner. Most of the wait is on your insurance company sending the illustration.

What if I can't find my statement?

That's fine. Answer 6 quick questions, or call us at (702) 582-7855. If you find it later, just reply to our email with a photo.

Do I need to share my account number?

No. Cover it up if you like. We don't need it.

Know what you own.

Leading The Annuity Audit Team