Annuity Review
A review looks at what your existing contract does today — crediting method, position in the surrender schedule, rider costs and benefits, and beneficiary designations. Surrender schedules, free-withdrawal provisions, and 1035 exchange rules are where owners are most often surprised.
What an annuity review covers
A review looks at what your existing contract does today: crediting method, surrender schedule position, rider costs and benefits, beneficiary designations, and how the contract fits the rest of your retirement picture.
Where owners get surprised
Surrender schedules, free-withdrawal provisions, and 1035 exchange rules are the three areas that most often differ from what an owner remembers being told. The cluster guides below explain each one.
Educational only
A review is an information exercise. Nothing in this hub is a recommendation to buy, sell, surrender, or replace any annuity.
How to Review an Annuity You Already Own
A step-by-step framework for reading your own contract before anyone asks you to change it.
How Surrender Schedules Work
The mechanics of a declining surrender charge, and how remaining years affect your position.
Free Withdrawal Provisions
Most contracts allow a penalty-free withdrawal each year. How to read yours.
What Is a 1035 Exchange?
The tax code provision that lets you move between annuity contracts without triggering income tax - and its limits.
Full Disclosure Before Any Replacement
The surrender-charge, lost-rider, and new-contract disclosures a licensed specialist must provide.
See where your annuity stands.
A free Annuity Position Score takes about three minutes. No policy number required to start. Educational only — not a recommendation to buy, sell, surrender, or replace any annuity.