Why This Review Is Different
Most annuity “reviews” are really sales conversations to take you on as a client through replacement or other assets. This is not one.
This is a paid analysis.
I am compensated only by the fee we charge for the review, not by whether you keep your annuity or replace it.
What that means for you:
- You get a review without pressure
- You get pros and cons presented plainly and with transparency
- If a change makes sense, you can work with any advisor you choose (or request a referral)
What We Review
We will provide an in-depth review of:
- Fees, costs, spreads, caps, participation rates, and expense ratios (as applicable)
- Riders and additional policy features
Income riders, enhanced death benefit riders, LTC or chronic illness riders, and how they really work within the context of qualification requirements. - Surrender charges and Market Value Adjustments (MVA)
What it would cost to exit today, plus timing strategies if waiting matters - Insurance company solvency and strength
What ratings mean, what they do not mean, and how to think about individual insurer risk - Comparison to current product offerings
What has improved, what hasn’t, and what trade-offs exist today
Products this review can cover
- Fixed Indexed Annuities (FIA)
- Fixed Annuities and MYGAs
- Variable Annuities (VA)
- Registered Indexed Linked Annuities (RILA)
- Income-focused annuities with riders
- Immediate income annuities (SPIA) or DIA (if applicable)
- Annuities within employer plans
Who This Is For
This review is a fit if you:
- Own an annuity and want an honest review
- Feel unsure about fees, performance, or restrictions
- Are considering replacement and want facts first
- Want to know if your contract still makes sense for your goals
- Want clarity without being sold another annuity
This review may not be a fit if you:
- Want a quote-only or “best product” recommendation without a full analysis
- Need immediate liquidation advice without access to your full contract details
- Are looking for tax or legal advice (I can provide education and considerations, but not act as your CPA or attorney)
- Annuity is under $100,000 in total premium (We want our cost to be 1% or less of total premium to be fair to you)
The Process
Intake and Document Upload
You’ll complete a short questionnaire and upload your annuity statements and contract pages (secure upload).
Calling the Carrier
We will schedule a call to call the insurance carrier about your policy and ask KEY questions needed for a full analysis.
Policy Review and Research
I analyze your policy features, costs, rider mechanics, and current crediting or subaccount structure (depending on type). I also compare against current market offerings in a realistic, apples-to-apples way.
Results Delivery
You receive your written review package plus optional call to walk through it.
Next Steps (Your Choice)
If replacement is clearly beneficial, you can:
- work with an advisor of your choice
- request a referral (optional)
No pressure, no commissions from the review.
Book Your Strategic Annuity Review
If you own an annuity and want an honest, professional review, this is built for you.
What You’ll Receive
Your Review Package Includes
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Plain-English Summary
A consumer-friendly breakdown of your contract, what it’s doing now, and what to watch.
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Technical Policy Analysis
A deeper, line-item review of the levers that drive performance and outcomes.
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Side-by-Side Comparison
How your current annuity stacks up against today’s realistic alternatives
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Recommendation Framework
A clear decision path: Keep it, adjust it, or replace it.
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Recorded Review Walkthrough
If you’d like, we can do a recorded call where I explain everything and answer questions.
What This Review Does and Does Not Do
This review does:
- Explain your annuity in plain English
- Identify strengths, weaknesses, and risks
- Show the real cost of exiting (surrender and MVA)
- Compare your contract to realistic current alternatives
- Provide a decision framework
This review does not:
- Execute transactions or move your money
- Replace your financial advisor
- Provide legal advice or individualized tax filing guidance
- Guarantee outcomes or returns that are not contractually stated
Transparency: How I Stay Unbiased
My Compensation
- You pay $1,000 for the Strategic Annuity Review
- I do not earn commissions or incentives from this review
- The review is designed to help you make a decision with confidence
Important Note
If you ask for an advisor referral after the review, I will disclose any relationship or compensation arrangement (if any) before you decide.
FAQs
Ready for Clarity?
If you own an annuity and want an honest, professional review, this is built for you.
Disclaimer
Educational review only. Not financial advice.
This review provides general education and a policy analysis based on the documents provided. It does not constitute personalized investment advice, tax advice, or legal advice. Always consult qualified professionals regarding your specific situation.