A guarantee period or surrender period is ending
Your annuity is at a contract anniversary. Review it before you change it.
An annuity anniversary is a review point, not an automatic replacement signal. The Contract Decision Review compares renewal, exchange, withdrawal, and income options — and documents the reasons to keep the contract, not only reasons to change it.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Contract Decision Review shows
- Current renewal rate and new guarantee period
- Surrender charges and market-value adjustments still in force
- Free-withdrawal provisions and income options inside the contract
- 1035 exchange considerations, including benefits that could be lost
What a good outcome looks like
A documented retain-or-change decision you understand — retaining the existing contract is often the right answer.
The questions we work through
- What is the current renewal rate and guarantee period?
- Are surrender charges or market-value adjustments still relevant?
- Have liquidity, income, beneficiary, or tax objectives changed?
How the follow-through works
- 120 days out: Request the current statement.
- 90 days out: Prepare the contract inventory.
- 60 days out: Hold the needs review.
- 30 days out: Compare retain and change scenarios.
- After the decision: Document the rationale and your understanding.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
MYGA Maturity Review: the questions people ask first
How do I find out what my existing annuity actually does?+
Request the current statement and the contract's summary pages, then read four items: the surrender-charge schedule and how many years remain, the income rider (if any) and what it guarantees, the crediting method or fee, and the named beneficiaries. Most owners can answer none of these from memory, which is why a review is worth doing before any change.
Should I replace my annuity with a newer one?+
Sometimes, and often not. A replacement only makes sense when the new contract solves a problem the current one cannot, after counting any surrender charge, lost income-rider credits, and a fresh surrender period. A review that ends in "keep what you have" is a valid outcome.
Are my annuity beneficiaries automatically updated by my will?+
No. An annuity pays the beneficiary named on the contract, and that designation overrides your will. Divorces, deaths, and remarriages routinely leave stale names in place, which is one of the most common and most costly findings in a contract review.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge