From your first call to a clear decision.
Three steps, a written review and no pressure at any point. Here is exactly what happens.
Request my free consultation
A short call
A short call with the firm. We learn what you own, what worries you and what you want. We confirm the cost in writing.
We gather the contract
You send it, or we request it from your insurer with your signed permission. Statements too.
An attorney reads every page
Surrender schedule, fees, riders, market value adjustment, tax position and how it was sold.
Your review meeting
We walk through your written review together. Every option, side by side, with the cost of each.
A written review you can keep
Plain language, no jargon. Something you can share with your family or your accountant.
- What your contract actually says, page by page
- Your surrender charge today and the date it reaches zero
- What your riders cost and what they are really worth
- Every option you have, with the cost of each
- Whether the sale raises legal concerns
- Our recommendation, and why
You decide. We can help either way.
Many clients keep their annuity and simply put the right dates on the calendar. Others take penalty-free withdrawals, exchange into a better contract or surrender. If the sale looks improper, we explain what pursuing it would involve, what it would cost and what the realistic outcomes are.
Find out where you stand.
Your consultation is free. One call from the firm. No one will try to sell you anything.