Based on real 2024-2025 client outcomes. Results vary by individual circumstances.
Market Opportunity: Annuity payout rates have risen significantly since 2022 with higher interest rates.
Did you purchase your annuity between 2015-2022? You may benefit from reviewing your options. Our analysis shows if current market rates could work EVEN BETTER for your situation.
Every one of these clients was surprised by what they were missing!
About These Results: These are actual clients from 2024-2025 (with written consent) who reviewed their annuity options and made changes that increased their income. Your specific results will depend on your age, health, annuity purchase date, contract terms, and current market conditions. We'll show you exactly what's possible for your unique situation.
Real client who provided written consent. Results can vary based on your specific situation.
Real client. Results can vary based on your specific situation.
Real client. Results can vary based on your specific situation.
If you bought your annuity between 2015 and mid-2022, you locked in rates during a historically low-rate environment. Today's rates reflect a different market.
Lower Rates
When bond yields were at historic lows
Improved Rates
Reflecting higher bond yields
The good news? A tax-free 1035 exchange lets you move to a new contract without tax penalties.
How Annuity Rates Work: Insurance companies base payout rates on their investment returns from bonds and fixed-income securities. When market yields improve, insurance companies can offer better payout rates on new contracts.
Your Current Contract: Reflects the rate environment when you purchased. If that was during the 2015-2022 low-rate period, your contract locked in those lower payout structures.
What This Means: The same principal amount may generate different income under current market conditions. That's what happened for E.W., K.B., and D.W. — and it could work for you too, depending on your specific situation.
The same simple process that worked for our clients
We compare your current annuity to today's best rates from a large group of highly-rated insurance companies. See your potential increase in black and white — just like our clients did.
No sales pressure. We show you exactly what may be possible: "Current: $2,417/mo → Potential: $3,500/mo." If the numbers don't work, we tell you.
If it makes sense, your money moves tax-free via 1035 exchange. Our clients saw increases that are contractually guaranteed by their new insurance company for life.
Yes. E.W., K.B., and D.W. are real clients who upgraded their annuities in 2024-2025. These are actual results, not projections. Your specific results will depend on your unique circumstances including age, contract terms, and current market conditions.
When bond yields were at historic lows (2015-2022), insurance companies earned less and offered lower payout rates. With improved yields today, insurance companies can offer better rates. Client K.B.'s $29,000 annual income became $42,000 — same principal, improved payout rate reflecting current market conditions.
Your new contract locks in the payout rate, backed by the insurance company's financial strength. If you get an increase like K.B. did, you keep that higher payment based on your contract terms — regardless of future rate changes.
No. The 1035 exchange is completely tax-free. Your annuity income is taxed the same way as before — you just have more of it.
Nothing. The analysis is free. If you move forward, there are no fees to you. We're compensated by insurance companies, not you. You keep 100% of your income increase.
We'll tell you immediately and explain why. Most pre-2022 annuities qualify for review, but if yours doesn't benefit from a change, we'll be upfront about it. No pressure — it either makes sense or it doesn't.
Find out how much more annuity income may be possible