Annuity Options
Understand Your Annuity Options
Call (832) 384-4267 to speak with a licensed advisor.
Annuity Options
Call (832) 384-4267 to speak with a licensed advisor.
Annuities are insurance contracts that can be used for different financial planning purposes, often involving accumulation or income. Fixed, indexed, and variable annuities can have very different structures, features, fees, guarantees, and restrictions.
We do not recommend a specific annuity or tell you which contract to purchase. Instead, we connect you with licensed advisors who can explain the options available to you and answer questions about income, guarantees, surrender periods, liquidity, fees, riders, and other contract details.
Understanding the contract is important because annuity features and restrictions can vary substantially from one product to another.
Ask whether the annuity is designed around accumulation, retirement income, guarantees, or another financial objective.
Ask what the contract guarantees, what conditions apply, and how guarantees relate to the financial strength of the issuing insurer.
Ask whether withdrawals can result in surrender charges and how long any surrender period lasts.
Ask about administrative costs, rider charges, investment-related expenses, and other fees associated with the specific contract.
Ask about withdrawal provisions, potential penalties, tax considerations, and other restrictions that may affect access to funds.
| Service | Estimated Cost | Average |
|---|---|---|
| Annuity education | No fixed fee stated | Varies |
| Annuity contract | Contract-specific | Varies |
Annuity costs and features vary by product and carrier. Some contracts may include surrender charges, administrative fees, rider charges, investment-related expenses, or other costs.
We help you get connected with someone who can explain the contract before you make an important financial decision.
We do not select an annuity for you. A licensed advisor can explain the products and options available to you.
We encourage questions about surrender periods, fees, withdrawals, guarantees, and liquidity.
Have questions about annuities? Call (832) 384-4267 to connect with a licensed advisor.
Free — no obligations
Tell us what you are trying to understand about annuities.
We connect you with a licensed advisor who can discuss your individual circumstances.
Discuss income options, guarantees, surrender periods, fees, withdrawals, riders, and other relevant provisions.
The advisor can explain available products, while you decide what fits your own circumstances and goals.