Annuities
Make Your Retirement Income Last
Annuities can provide different retirement-income and accumulation options. We help you understand the contract you already own, how it works, and what alternatives may be available.
What an annuity review covers
A review looks at how the contract you hold defines income, guarantees, costs, and access to your money.
- Retirement income
- Review income options that may provide payments for a selected period or potentially for life, depending on the contract and selected payout option.
- Current contract
- Review the annuity you already own, including its value, surrender period, income features, and guaranteed and nonguaranteed elements.
- Beneficiary options
- Review available death-benefit and beneficiary provisions, which vary by contract, selected option, timing, and remaining value.
- Liquidity and fees
- Review withdrawal rules, surrender charges, fees, credited values, market exposure, and access to funds, which vary by contract.
Is Your Current Annuity Still Right for You?
Many annuities are purchased and then left unreviewed for years. Retirement goals, income needs, family circumstances, and available products may change. We can help you understand the contract you already own and review its income options, fees, surrender period, guarantees, and liquidity before discussing alternatives.
A general website cannot determine whether an annuity is appropriate for an individual. Any recommendation should consider your financial situation, insurance needs, objectives, time horizon, liquidity needs, existing products, risk tolerance, funding source, and tax status. The contract and its disclosures control.
Before you replace a contract you already own
A new annuity is not automatically better. Any comparison should consider surrender charges, tax consequences, guarantees, income benefits, replacement costs, and features that may be lost.
A new annuity is a new contract: its fees, surrender periods, withdrawal rules, credited values, market exposure, death benefits, and access to funds may differ from the one you hold today. Review both contracts and their disclosures with a licensed insurance professional. This page does not recommend replacing any annuity contract.
Product information notice
These descriptions are general product information, not a quote or recommendation. Products, features, and availability vary by carrier. Coverage and benefits depend on the issued policy or contract, including its terms, conditions, exclusions, limits, and deductibles. Underwriting, eligibility, availability, pricing, and carrier approval may apply. Review the actual policy or contract with a licensed representative.
Annuities are insurance contracts whose features vary by product and contract. Any lifetime-income or other guarantee depends on the specific contract, selected payout option, annuitization election, or optional rider and on the issuing insurer’s claims-paying ability. Withdrawals may reduce contract values and benefits and may involve surrender charges, other fees, and tax consequences; annuities can have limited liquidity and are not suitable for every purpose. Review the issuing contract and disclosures with a licensed insurance professional. This page provides general information, not individualized tax, legal, securities, investment, rollover, or financial advice, and does not recommend an annuity for any visitor.
Speak with Robert
Rather talk it through? Call and ask the questions that matter for the contract you hold today.