For clients with $500K or more in annuity contracts, the gap between what you're earning and what today's market offers can quietly reach $18,000 to $47,000 per year. Not because you made a bad decision — because the landscape shifted and no one told you.
100% complimentary · 20 minutes · No obligation
You wouldn't let seven years pass without a physical exam. Why would you do that with $500,000?
The question that changes the conversation
These don't show up on your statements. Your CPA won't catch them. Your attorney won't flag them. They simply erode your wealth — quietly, year after year.
You locked in at 3.1% when that was competitive. Today's equivalent contracts are crediting 5.4–6.2%. On a $750K contract, that spread compounds to a six-figure gap in under seven years.
Mortality & expense charges, rider fees, sub-account costs, and administrative fees can layer to 2.8–3.5% annually. You see 5% credited. You keep 1.8%.
That 20% upfront bonus inflated your account on paper — but it sits in a benefit base you may never access. Meanwhile, the surrender schedule keeps you locked in for 10+ years.
The real loss isn't just inside the contract — it's what your capital could be doing elsewhere. Every dollar locked in an underperforming annuity is a dollar not compounding where it should be.
Tap each statement that applies to you.
No forms. No uploads. No login. Just a phone call with a licensed professional who reads your contract in real time.
Speak directly with a licensed advisor. No call center. No script. No transfer.
A senior analyst with direct carrier access reviews your annuity in real time and identifies every fee, rate, and restriction.
Side-by-side comparison: what you're earning vs. what today's market offers on equivalent terms.
If there's an improvement, we explain it. If not — we tell you that too. Zero pressure.
The only thing they had in common: neither had been contacted by their original advisor in years.
Gained +$1,100/month in income. Eliminated $11,250/year in fees.
Recovered +$2,740/month. Reduced fee drag by $18,330/year. His CPA reviewed the contract twice and missed the rider costs both times.
Results vary. Not all annuities can be improved. Based on actual client outcomes.
We don't represent one insurance company. We represent you. Our analysts hold contracts with every major carrier — the only question is what's best for your situation.
I was paying $4,200 a year in fees I didn't know existed. My advisor never mentioned them. Twenty minutes on the phone and I finally understood my own contract.
My CPA reviewed this annuity. My estate attorney reviewed it. Neither caught the layered rider fees or that my rate was two points below market. One call found what two professionals missed.
They told me my annuity was in good shape and not to change it. That honesty made me trust them completely. When my CD matures next quarter, I know who I'm calling.
Carriers are offering credited rates and income riders that reflect today's elevated interest rate environment. When rates decline, these guarantees will be repriced.
Contracts reviewed this quarter may qualify for terms that won't be available next year.
We review a limited number of contracts per week to ensure thoroughness.
Secure Your ReviewOne phone call. Twenty minutes. Complete clarity on whether your annuity is working for you — or quietly working against you.
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