Downloadable guide
Free PDF — no email required.
Annuities are long-term contracts, and the costs of unwinding a poor fit are real: surrender charges commonly run 5 to 10 years. This checklist exists so the important questions get asked before signing, not after.
What's inside
- A one-page map of annuity types and what each is actually for
- How surrender schedules work, with a sample year-by-year table
- Income riders: what the "roll-up rate" does and does not mean
- Tax treatment basics: deferral, exclusion ratios, and inherited annuities
- The eight questions to ask any agent — and the answers that should worry you
A note on suitability
Regulators require that annuity recommendations be suitable for your situation. Treat that as a floor, not a ceiling: the standard you should hold is "demonstrably better than my alternatives," and the checklist is designed to surface that comparison.
Download the PDF above. Educational only; not a recommendation of any product.
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