Free Annuity Review — Bigger Bonuses & Higher Rates
Capture today’s better rates — while they last
Carriers are competing hard for annuity money right now. Bonuses and rates like these are set by carriers and can be pulled at any time — a free review shows what your money qualifies for today.
*Illustrative figures only, not an offer or quote. Actual bonuses and rates vary by carrier, state, product, and eligibility, are subject to change or withdrawal at any time, and may involve holding periods, vesting, or other conditions. Depending on the product, a bonus may apply to contract value, an income benefit base, or another value used for benefit calculations.
Your annuity was the right choice then. Is it still the right choice now?
Rates, bonuses, and product terms have changed dramatically in the last few years. A 20-minute review shows you what your contract is really worth today — and whether a newer option deserves a look. Most people who review decide to keep what they have. Either way, you’ll finally know.
Start my free review
Call (214) 440-5556
No cost, no obligation, and no pressure to move anything.
Reviews handled by licensed insurance professionals.
Surrender value, bonuses, and terms explained clearly.
Review now, decide whenever you’re ready — or not at all.
Why timing actually matters
Not manufactured urgency — three real reasons an annuity review is time-sensitive:
Premium bonuses and declared rates are set by carriers and can be reduced or withdrawn at any time. What’s quotable today may not be next month.
Surrender charges typically step down every contract anniversary. Your break-even math literally changes each year — most owners have never re-run it.
If a better structure exists for your situation, delay compounds against you. If your contract is still the winner, you lose nothing by confirming it.
Waiting isn’t free
If your annuity is crediting an older, lower rate while newer contracts pay more, the gap comes out of your money every single year. Here’s what an illustrative 2% difference costs annually:
| Your annuity value | Potentially left behind each year |
|---|---|
| $100,000 | $2,000 / year |
| $250,000 | $5,000 / year |
| $500,000 | $10,000 / year |
And that’s the point of the review: in 20 minutes you’ll know whether that gap applies to you — or whether your current contract is still the better deal and you can stop wondering.
Illustrative example only, assuming a 2% annual rate difference; not a quote, offer, or guarantee. Your actual rates, terms, and any surrender costs vary and may change the comparison.
Sound familiar?
If any of those fit, a careful comparison of your current contract against what’s available today is the responsible next step — before making any move.
How your free review works
Three steps, no homework required.
Request your review
Fill out the short form below (about 60 seconds) or just call. Don’t know your surrender value? That’s fine — we help you find it.
We run the numbers
A licensed specialist reviews your contract’s real surrender value, remaining charges, and compares it against what carriers offer today.
You see it side by side
Stay vs. change, in plain numbers. If keeping your annuity wins, we’ll tell you that. The findings are yours either way.
A 60-second refresher on annuity terms
What is an annuity?
An insurance contract commonly used for tax-deferred growth or guaranteed retirement income.
Fixed vs. fixed indexed
Fixed annuities credit a stated rate. Fixed indexed annuities use an index-linked strategy while protecting principal from market losses.
What is a bonus?
Some products credit an upfront bonus that may increase contract value or an income benefit base, depending on the product.
Why surrender value matters
The amount actually available to move can differ from your account value because of surrender charges or a market value adjustment.
Run your own annuity replacement snapshot
Enter your surrender value and see a possible immediate value today, plus an illustrative future value for staying versus changing. Here’s a sample of what you’ll see:
Sample numbers shown for illustration. Use the calculator with your own values, then let a licensed specialist review the actual details of your contract before you make any decision.
What a bonus could mean at your balance
A simple illustrative example at a 25% premium bonus:
| Your approximate annuity value | Illustrative 25% bonus |
|---|---|
| $50,000 | up to $12,500 |
| $100,000 | up to $25,000 |
| $250,000 | up to $62,500 |
| $500,000 | up to $125,000 |
Examples are for illustration only and are not an offer, quote, or guarantee. Actual bonus amounts and terms vary by carrier, state, product, and eligibility, and some bonuses apply only to an income benefit base.
A closer look: 10-year hypothetical illustration
A simplified example based on a $100,000 contract value.
Stay — illustrative 3% rate
Change — illustrative 25% bonus + 5% rate
Hypothetical illustration only. Actual annuity crediting, fees, riders, bonuses, and results vary. This is not a quote or guarantee.
Know exactly where your annuity stands
Complete the short form below and a licensed specialist will contact you to review your current annuity and walk through your options — at no cost and with no obligation.
The review itself commits you to nothing. It simply tells you your surrender value, possible bonus impact, and whether keeping or changing your annuity deserves a closer look.
Carrier name, current account value, current surrender value, and roughly when the annuity was opened. Missing something? No problem — we’ll help you find it.
Common questions
Does the review really cost nothing?
Yes. The review is free and carries no obligation. If a specialist ultimately helps you with a new product, they are compensated by the insurance carrier — never by you.
Will you pressure me to replace my annuity?
No. Replacing an annuity is only appropriate when the numbers and your situation genuinely support it. Many reviews conclude that keeping the existing contract is the better choice — and we’ll tell you when that’s the case.
What if I don’t know my surrender value?
That’s very common. Your specialist can help you request it from your carrier, or walk you through finding it on your most recent statement.
Are there downsides to replacing an annuity?
There can be. Surrendering may trigger surrender charges, loss of existing benefits or bonuses, or tax consequences. That’s exactly why the review compares your real surrender value against real current offers before anything else happens.
Is my information kept private?
Yes. Your information is used only to prepare and deliver your review, and you can ask us to remove it at any time.
Rates won’t wait. Your review shouldn’t either.
Whether you keep your annuity or change it, make the decision with today’s numbers — while they’re still today’s numbers.
This is an advertisement for insurance. Contact may be made by a licensed insurance agent or producer. Annuities are long-term insurance products intended for retirement or other long-term needs. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Bonuses, rates, and terms vary by carrier, state, and product, are subject to change, and may require meeting eligibility or holding-period requirements. Surrendering an existing annuity may result in surrender charges, loss of benefits or bonuses, tax consequences, or other costs. Please speak with a licensed professional before making changes to an existing annuity contract.