Get a free, written audit of your existing annuity contract. We evaluate your fees, riders, performance, and guaranteed income — then show you three quantified paths forward. No obligation. Delivered in 7-10 business days.
Annuities issued 5+ years ago were priced in a different rate environment, often with riders and fee structures that may no longer fit your situation. If any of these apply, it is worth a look.
Marriage, divorce, retirement, or a new beneficiary — your annuity may still be set up for an older version of your life.
Today's income riders and SPIA payouts may generate materially more than what your existing contract pays.
Variable annuities often carry 3-4%+ in combined M&E, admin, subaccount, and rider fees. Fee drag compounds.
If your surrender schedule is over (or nearly over), you can move funds without penalty. Worth knowing your options.
If you bought for income but now want legacy (or vice versa), you may be paying for riders you no longer need.
If you can't explain your benefit base, rider mechanics, or what happens at death — you need a second opinion.
A simple, confidential process. We do the analysis. You make the decision.
Fill out the request form below and email or upload your most recent annuity statement. We accept any carrier and any product type.
Our team evaluates every fee, every rider, your performance vs. benchmarks, and what today's market would offer for the same money.
A 5-8 page Professional Annuity Analysis delivered in 7-10 business days, with three quantified paths forward. Zero obligation to act.
A structured, plain-English document built around three sections. No jargon, no sales pitch.
No cost. No obligation. We typically deliver in 7-10 business days.
Anonymized examples of what an audit has uncovered for clients with existing annuity contracts. Names changed, numbers real.
Angela, 79 — variable annuity → SPIA increased income 12% and slashed taxable income.
Read the audit → Income NowMichael, 71 — exchanged variable annuity for FIA, added $40,000/yr in guaranteed income.
Read the audit → After Income StartedHenry & Carol, 66/64 — even mid-payout, exchange boosted joint income by nearly a third.
Read the audit → Income SoonSusan, 55 — one year before income, audit added $28k/yr to her starting payout.
Read the audit → LegacyEthel, 64 — goal shift from income to legacy meant dropping a rider she no longer needed.
Read the audit → Single → JointRiley, 63 — newly married, converted single income rider to joint and increased payout.
Read the audit → Old ContractDavid, 69 — even a 25-year-old annuity had better options on the market.
Read the audit → Flexible TimingGail, 66 — three-scenario audit showed when to turn on income for the biggest payout.
Read the audit →Yes. There is no cost to receive your Professional Annuity Analysis report, and no obligation to do anything with the findings. If after reading it you decide to keep your existing contract, that's a perfectly valid outcome — we'll tell you so directly in the report.
Your most recent annuity statement (from the carrier, not a brokerage statement). It contains the contract details, account value, rider information, and fee disclosures we need to perform the analysis. You can email it or send a secure upload link after submitting the form.
Typically 7-10 business days from when we receive your statement. Some carriers take longer to verify contract details; we will keep you posted if anything slows it down.
You keep your annuity. The report will tell you so in plain English, and explain why. About 30% of the audits we run conclude the existing contract is still the right product for the client's current goals.
Only our licensed audit team and our analysis partners under standard non-disclosure terms. We do not share your data with third parties, and we do not sell your contact information. Read our Privacy Policy for full details.
Two reasons. First, about 70% of the time the audit identifies a better product on today's market — in which case we earn a commission from the issuing carrier if you decide to make a change. Second, even if you don't change anything, the audit builds trust and you remember us when you do need annuity help. Either way, the report is yours to keep.
All of them — variable, fixed indexed, MYGA / fixed, single premium immediate (SPIA), deferred income (DIA), and registered index-linked (RILA). If you have multiple contracts, we can audit them together.
Important disclosures. Before considering exchanging one annuity contract for another, all aspects of the exchange should be considered, including but not limited to cost, guaranteed interest rates, surrender charges, rider costs, possible rating changes, and different features and benefits of the two contracts. A 1035 exchange must be carefully evaluated for tax and contractual implications.
Annuities are long-term investments designed for retirement planning. Withdrawals prior to age 59½ may result in a 10 percent federal tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the claims-paying ability of the issuing insurance company. Optional riders may increase the internal cost of the product.
Variable annuities are securities under federal law and may be considered securities under state law. If a variable or registered annuity is part of your audit, securities-related services are provided through First Palladium, LLC, Member FINRA. Contract information used in the audit is supplied by the contract owner and has been verified to the best of our ability.
The case studies presented on this page are anonymized illustrations based on actual audit outcomes. Names have been changed and some details adjusted for privacy. Individual results will vary depending on contract specifics, carrier, current market rates, and client goals. Past audit outcomes are not a guarantee of future results.
