Straight answers to common questions.

Only if the numbers support it. Many reviews end with “keep it, and here is the date to revisit.” We have nothing to sell you, so we have no reason to push you either way.

Your contract if you have it and your latest annual statement. If you can’t find them, we can request copies from the insurer with your permission.

The consultation is free. You will know the cost in writing before anything starts. You see any fee in writing before any work starts. No commissions from anyone, ever.

Call (888) 557-1640 and we will tell you right away whether we can help.

A fee for taking money out of an annuity early, usually a percentage that steps down each year until it reaches zero. Your contract has the exact schedule.

Sometimes. Options include the free-look period, the annual penalty-free withdrawal amount, waiting out the schedule and, in some contracts, waivers for nursing-home care or terminal illness.

A tax-free move from one annuity to another. It can make sense, but the new contract often starts a new surrender period. We compare both before you decide.

Yes, with your parent’s permission. Many of our calls start with an adult son or daughter. We will explain what we need to speak with you directly.

Gather the contract and statements, write down what you remember about the sale and call the firm. If the sale was unsuitable, timing can matter.