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Independent annuity reviews · Flat fee

Know what you own. Know what you pay.

Most annuities are never reviewed again after the day they're sold. We verify every figure with your insurance company, show you the fees in dollars, and tell you in plain English whether your contract still works for you.

Take the free 60-second checkup Start a review · $125

No sales pitchNo commissions“Keep it” is a real answer

Fee translatorLevel balance · no growth

Contract value

Annual fee 1.25% · 125 bps

$12,500a year

Per month: $1,041.67
Per day: $34.25
Over 10 years: $125,000

Illustration only. Assumes a level balance and no investment growth, so it shows the fee itself rather than a projection.

$0in commissions, ever
$125flat fee, whatever we find
Verifiedwith your insurer, in writing
Specialistreviews every report
1,500+contracts reviewed by our founder
Plain Englishpros, cons and next steps

Annuities, explained in six short lessons

What most owners are never told.

Five minutes here will change how you read your statement. Each lesson has a small tool so you can see the idea with real numbers.

Lesson 01

Percentages hide dollars

Fees are quoted as percentages, so they feel small.

A 1.25% fee sounds modest. But a percentage doesn't tell you the size of the check. Two people can have the same annuity, the same advisor and the same conversation, and one pays ten times as much as the other.

Investor one

Contract value$100,000

Annual fee rate1.25%

In basis points125 bps

Fee per year$1,250

10×

Investor two

Contract value$1,000,000

Annual fee rate1.25%

In basis points125 bps

Fee per year$12,500

Always translate a fee into dollars per year. It's the only way to judge whether you're getting your money's worth.

Lesson 1 of 6

Free · 60 seconds · no sign-up to see results

The Annuity Checkup.

About ten quick taps. You'll get a review priority and the specific issues worth checking on your contract, based on what we see most often in real reviews.

Question 1 of 9

Your answers stay in your browser.

What you'll get

Your review priority, in plain English

A priority rating from lower to high
Up to six specific findings based on your answers
A dollar range for what your annuity may cost each year
The questions to ask your insurer, whatever you decide

A self-assessment, not your Annuity Health Score. It doesn't evaluate your actual contract.

Why people trust us

An honest second opinion is hard to find. So we built one.

Most annuity reviews are offered by someone who earns more if you buy something new. Our only product is the review itself.

Question	Annuity Benchmark	A “free” review tied to a sale	Doing it yourself
How they're paid	A flat fee you pay	Often commission, if you buy	Nothing, except your time
Sells you a product	Never	Usually the point	Not applicable
Confirms details with your insurer	Yes, in writing	Sometimes	Hard to get answers
Shows every fee in dollars	Every one we can identify	Rarely	If you can do the math
Explains riders and the benefit base	In plain English	Varies	Contracts run 100+ pages
Will tell you to keep it	Yes, and why	Conflict of interest	If you’re sure
Cost to you	$125 flat ($50 fixed)	“Free,” paid through the sale	Hours of reading and phone calls

Our commitments

Four promises we put in writing.

No conflicts

No product sales, no commissions and no compensation from insurers or fund companies. You're the only one who pays us.

Verified at the source

We confirm your contract's details with the insurance company under your signed authorization. Nothing is guessed from a statement.

A person checks the math

Technology speeds the work. An experienced annuity specialist reviews every figure and every conclusion before you see it.

The truth, even if it's “keep it”

Our fee is the same whatever we find. When your contract is doing its job, we'll say so in writing.

No surprises

What happens after you click “Start.”

A review is simple on your end. Here's every step, so you know exactly what to expect.

Start a review

Within a business day or twoWe call or email youto confirm what you'd like to learn and answer any questions. No obligation.
Same weekYou send your statement and sign one formThe authorization lets us request details from your insurer. Nothing sensitive goes by email.
While the insurer respondsWe verify and analyzeWe send the insurer a detailed questionnaire, then score your contract across 11 dimensions.
When the review is completeYou get your report and a callPlain English, costs in dollars, pros and cons, and your Annuity Health Score.
Only if you askReplacement recommendationsFor $125 more. Many clients never need them.

Experience

Built on more than 1,500 contract reviews.

Our founder spent nearly 40 years in financial services, most recently reviewing in-force annuities as a product manager at a major bank.

1,500+annuity contracts reviewed by our founder

$2.4Bin annuity assets identified for review in a single 50-person department

$0in commissions or insurance-company compensation

Client one

Annual income $32,000 → $48,000

Higher income after the review, with fees reduced by 1.5%.

Client two

Paying $118,000 a year in fees

A variable annuity earning under 4% a year after fees. After the review, fees fell by 3.75% and a 5% fixed rate was locked in.

Client results shown are actual cases; individual results vary and are not a guarantee of future results. Fixed annuity guarantees are subject to the claims-paying ability of the issuing insurer.

For professionals

Bring independent reviews to your clients, or your whole book.

The same carrier-verified method, built for advisors who want a credible second opinion and institutions that need a consistent, documented process.

Financial advisors

See a sample report before you order.

Carrier-verified data, including rider and benefit-base mechanics
Fees in dollars your client will actually understand
Apples-to-apples documentation for keep-or-exchange decisions
No competition: we don't sell, manage money or solicit

Why advisors order a review

A proposed 1035 exchangeDocument the comparison before the client signs, with carrier-verified values on both sides.

A new client with an inherited contractGet a clear baseline on a product you didn't place and may not know well.

An annual review that stalledWhen the carrier's answers are slow or vague, we get them in writing.

Institutions

Size the opportunity on your books.

Book-of-business estimatorYour inputs · illustrative

Annuity contracts

Average contract value ($)

Average all-in cost (%)

Share past surrender (%)

Assets in scope: $450M
Client fees per year: $7.9M
Past surrender: $157.5M
Contracts past surrender: 875
Every 0.10% (10 bps) of cost across the book: $450K per year to your clients

Arithmetic on your inputs only. It shows the scale involved, not a prediction of what a review program would find.

Pricing

One flat fee. Nothing to buy.

You pay for the review, not for a product. The price is the same no matter what we find, including when the right answer is to keep what you have.

Included: insurer verification, costs in dollars, the 11-dimension Health Score, a written report and a call to walk through it.
Optional: replacement recommendations, only if you want them.

Start a review Not sure yet? Take the checkup

Annuity BenchmarkStatement of fees

Full annuity review & Health Score$125

Fixed annuity review$50

Replacement recommendationsOptional, only if you want them+$125

Commissions$0

Compensation from insurers$0

Products we'll try to sell you0

Advisor & institutional pricing on request

Free field guide

The 11 questions to ask your insurance company.

The exact questions we send insurers, in plain English, with why each one matters and the red flags to listen for. Use it on your own, or bring it to your advisor.

What your rider fee is really charged on
The date your surrender charges end
How a withdrawal can shrink your death benefit

No spam, and we never share your email. You can also preview the first three questions without signing up.

Answer center

Straight answers for owners, advisors and institutions.

Forty questions answered plainly. If yours isn't here, call us and we'll answer it directly.

See every answer in the answer center

From our founder
“Annuities are often sold, but rarely re-evaluated. Every annuity deserves a second look.”

Phil Polito, Founder. Nearly 40 years in financial services; former annuity product manager at a major bank; more than 1,500 contracts reviewed.

Read our story