Every figure verified. Every answer explained.
Annual statements summarize. Contracts complicate. We close the gap by going to the insurance company for the details, then translating them into plain English and dollars.
- Per month
- $520.83
- Per day
- $17.12
- Over 10 years
- $62,500
Illustration only. Assumes a level balance and no investment growth, so it shows the fee itself rather than a projection.
What you do, and what we do.
Send your statement
You: share your latest annual statement and sign a one-page authorization. We: confirm what we need and set up a secure exchange for anything sensitive.
We ask your insurer
We: send the insurance company a detailed questionnaire and request an in-force illustration. Most of the waiting happens here, and we keep you posted.
A specialist reviews it
We: organize the data, score 11 dimensions, and have an experienced annuity specialist check every figure and every conclusion.
You get the report
You: receive a plain-English report and your Health Score, and talk it through with us. Replacement recommendations are available only if you ask.
What we confirm with your insurer.
These are the details that decide whether a contract is working, and the ones a statement rarely shows.
- Benefit base
- How it's calculated, how it grows (simple or compound roll-up) and when it steps up
- Rider charges
- What each rider costs and what value it's charged on
- Withdrawals
- Guaranteed withdrawal percentages and how an excess withdrawal reduces guarantees
- Surrender
- The exact schedule, free-withdrawal allowance and any market value adjustment
- Death benefit
- Type, current amount, and how withdrawals affect it
- Crediting
- Current rates, caps, participation rates or investment options
- Key dates
- Issue date, rider re-election windows and contract maturity
Eleven dimensions. One Annuity Health Score.
Each dimension is scored and explained, so the number is never a mystery. Select a dimension to see what we look at.
Each review scores your contract on 11 dimensions, and the report explains every one of them.
Clear enough to act on.
- Your Annuity Health Score and what drives it
- Costs in dollars, per year and over time
- Key findings: what's working and what isn't
- Options and trade-offs, including surrender costs and taxes to consider
- Next steps you can take on your own or with your advisor
Know what you own. Know what you pay.
Start with your latest statement. We'll take it from there.