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 a few quick questions — whether you're shopping for your first annuity or reviewing one you already own. We use it to model your options against today's leading contracts.
- 02
Receive your comparison report
See, in plain language, how much income and lifetime value a modern contract could deliver — with all assumptions disclosed.
- 03
A licensed specialist reviews your situation
If the math looks compelling, a licensed specialist reviews your current contract or your buying goals at no cost or obligation.
- 04
Move forward on your terms
If you're replacing an existing contract, a tax-free 1035 exchange handles the transfer. If you're buying new, funds go directly to the carrier you choose. 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.