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.
How to Get Money Out of Your Annuity
Every route money can take out of an annuity, what each one costs in charges and taxes, and what to check in your own contract before requesting anything.
Should I Cash Out My Annuity? What to Check First
The seven things to understand about your own contract before you cash out an annuity - what it could cost, what you would give up, and the options in between.
See where your annuity stands.
A free Annuity Position Score takes about a minute. No policy number required to start. Educational only — not a recommendation to buy, sell, surrender, or replace any annuity.