Already Own an Annuity? Get a Free Second Opinion

What your review covers

• What type of annuity you actually own and how it credits interest
• Your current surrender period, and whether you are still inside it
• All fees and rider charges you are paying each year
• The guaranteed income your contract will actually pay, and when
• Death benefit and beneficiary details, so your family isn't surprised
• Whether today's rates or products would serve you better

Signs it may be time for a review

• You bought the annuity more than three years ago
• You can't clearly explain what it pays or what it costs
• Your surrender period has ended or is ending soon
• Your income needs, health, or marital status has changed
• The advisor who sold it to you is no longer in touch
• You've received a renewal rate that looks lower than you expected

How the review works

• Send us a few basic details, no contract numbers needed to start
• A licensed advisor in your area reviews your annuity statement with you
• You get a plain-English summary of what you own and what it costs
• If your current annuity is working well, the advisor will tell you to keep it
• If a better option exists, you'll see a side-by-side comparison before deciding

No pressure, no cost