How It Works
A simple, transparent path from old to modern.
No paperwork until you decide to move forward. No taxes when you do.
- 01
Run the 60-second assessment
Answer 10 quick questions about your existing annuity. We use it to model your current trajectory and compare it against today's leading contracts.
- 02
Receive your comparison report
See, in plain language, how much more income and lifetime value a modern contract could deliver — with all assumptions disclosed.
- 03
A licensed specialist reviews your contract
If the math looks compelling, a licensed specialist reviews your actual policy documents at no cost or obligation.
- 04
Tax-free 1035 exchange executed
If you choose to proceed, the carrier-to-carrier transfer is handled for you. Cost basis carries over. No taxable event.
Frequently asked along the way
Will I owe taxes? No. A properly executed Section 1035 exchange is non-taxable.
How long does it take? Typically 2–4 weeks from signed paperwork to funded new contract.
What about surrender charges? If you're inside a surrender window, the specialist will quantify the impact and help you decide whether the upside justifies it. Often it does — especially with bonus credits on the new contract.