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The Annuity Truth.

What the fine print never says, what most agents never tell you, and how to know when an annuity actually earns its place in your plan.

  • The six kinds of annuities, in plain English
  • The 7-question audit you can run on your own contract
  • Red flags that mean it's time to walk away
  • Who annuities are right for — and who they're wrong for

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The
AnnuityTruth
What the fine print never says, what most agents never tell you, and how to know when an annuity actually earns its place in your plan.
Scott Zimmerman 35+ years · President, Real Impact Financial

What's inside

Twenty short chapters. About an hour, end to end. Written for people, not advisors.

01

The six types, in plain English

MYGA, SPIA, FIA, VA, RILA, DIA. What each one does, what it costs, and which one you probably own.

02

The 7-question annuity audit

The exact questions we ask on every audit. Run them on your own contract before you ever pick up the phone.

03

The riders that actually matter

Income riders, LTC riders, death benefits. Which ones earn their fee — and which ones are pure margin for the carrier.

04

Right for you — or wrong?

Two chapters, side by side. The situations where an annuity is the smartest move you can make, and the ones where it's a fifteen-year mistake.

All twenty chapters

Read cover to cover, or skip straight to the ones that apply to you.

01How Annuities Earned the Bad Name
02Why I Hated Annuities, and Why Most Agents Still Sell the Wrong Ones
03What Changed My Focus
04MYGAs, The CD Alternative
05SPIAs, The Pension Paycheck
06Fixed Index Annuities, The "No Downside, Some Upside"
07Variable Annuities, Where Most People Got Burned
08The Riders That Actually Matter
09State Guaranty Associations, Your Safety Net
10Creditor Protection by State
11The 10% Free Withdrawal
12Surrender Periods Decoded
13What to Look For in a Good Annuity Agent
14Who Annuities Are RIGHT For
15Who Annuities Are WRONG For
16The 7-Question Annuity Audit
17Red Flags: When to Walk
18Already Own One? Get It Audited.
19Thinking About One? Let's Talk.
20The Bottom Line

Written by Scott Zimmerman — 35+ years in financial services, top 1% of leading professionals in America, President of Real Impact Financial. Independent. Represents the top A+ rated carriers. Licensed in all 50 states.

As seen on ABC, Fox News, NBC, AP, SI, International Business Times, Morning News, CBS — and over 450 news sites