Get a free, unbiased second opinion from a licensed advisor who doesn't earn commission on what you buy.
Get My Free Second OpinionEvery year, thousands of retirees are sold annuities that aren't right for them. High fees they weren't told about. Surrender charges that lock up their money for years. Complex products designed to confuse rather than inform.
The reason is simple: many financial advisors earn commissions of 5-8% on every annuity they sell. On a $250,000 annuity, that's $12,500 to $20,000 in the advisor's pocket. That creates a powerful incentive to sell — whether the product is right for you or not.
You deserve better.
"This rate expires Friday" or "I can only hold this for 48 hours." Real opportunities don't disappear overnight. If your advisor is rushing you, ask yourself why.
If you can't explain the annuity to your spouse in plain English, your advisor hasn't done their job. Complexity is not a feature — it's often a hiding place for fees.
Long surrender periods mean your money is locked up. If you need it for an emergency, you'll pay steep penalties. Ask why the surrender period needs to be that long.
There are dozens of annuity products from different carriers. If your advisor only showed you one, they may be selling what pays them the most — not what's best for you.
A good advisor welcomes questions and encourages you to do your research. If asking questions makes them uncomfortable, that tells you something.
The fact that you're researching this means your gut is telling you something. Trust that instinct. Getting a second opinion costs nothing and could save you thousands.
A licensed advisor reviews the annuity you were offered — the fees, the surrender charges, the guarantees, the fine print — and tells you honestly if it's a fair deal.
We show you what other products are available at similar or better rates. You see the full picture — not just what one advisor wants to sell you.
No jargon, no fine print games. We explain everything in language you can understand and share with your family.
This is a review, not a sales call. If your current annuity is actually a good deal, we'll tell you that. Our goal is your confidence, not a commission.
"My advisor was pushing a variable annuity with 3% annual fees. The second opinion showed me a fixed indexed annuity with zero fees that actually paid more. I almost made a $200,000 mistake."
"I just wanted someone to tell me honestly if the annuity was a good deal. Turns out it was, but they found a similar product with a shorter surrender period. Peace of mind is priceless."
"No one tried to sell me anything. They just reviewed what I had and explained it in a way that actually made sense. First time I've felt like someone was on my side."
A licensed advisor will review your situation within 24 hours. No cost, no obligation.
Yes. 100% free. No credit card, no hidden charges. We connect you with a licensed advisor who reviews your situation at no cost to you.
Good advisors know that building trust leads to long-term relationships. By offering an honest review, they demonstrate their value. If they earn your business, great. If not, you still walk away better informed.
No. This is a review, not a sales pitch. If your current proposal is a good deal, we'll tell you. If it's not, we'll explain why and show you alternatives — but the decision is always yours.
A licensed advisor will contact you within 24 hours. The review itself typically takes one phone call or video meeting — about 20-30 minutes.
Most annuities have a "free look" period (typically 10-30 days) where you can cancel without penalty. Even after that, there may be options. It's never too late to get informed.
It takes 2 minutes to request a review and could save you thousands. There's no downside to being informed.
Get My Free Second Opinion