Already Own One? Get It Audited.

If you already own an annuity, whether you bought it last year or fifteen years ago, get it audited. The audit is free. It starts with a short call. It answers one question. Is this still the right product for you today?

Sometimes the answer is yes. Some older annuities have income riders or death benefit riders that would cost far more to buy today than what you are paying for them. Those are worth keeping. When that is the case, we tell you to stay put. Sometimes the answer is no. The 69-year-old client I told you about in Chapter 3 was in an annuity that was costing him thousands per year in fees, losing him tens of thousands to market drops, and not on track to meet his income goals. We moved him. He sleeps now. Most audits fall in between. There is usually room for improvement, but the decision to move depends on the specifics. Surrender charges, tax considerations, current rider values, and what is available in the market today all factor in. Here is what a real audit looks at:

The type and structure of your current annuity All fees, current and future Surrender status and remaining schedule Carrier rating and financial strength Rider benefits, their cost, and whether you are using them Current guaranteed income vs available alternatives Tax implications of any move using Section 1035 exchange rules

Whether your original goals still fit the product How to get an audit: Go to annuityaudit.co. Start with a free call with our team. Your statement gives us a first look. Then, with your OK, we request the full details from your annuity company and walk you through a plain-English review of what you own, what it is costing you, and whether it still makes sense. No obligation. No pressure. Just an honest look at what you own. We built the site because too many people have annuities they do not understand and cannot get out of, and nobody has been willing to look at them without a sales agenda.