Your annuity, finally in plain English.
Bring us the contract you already own. We'll tell you what it costs in dollars, what it really guarantees, and whether it still fits your life. And we have nothing to sell you.
Every fee, in dollars
Insurance charges, rider fees, investment expenses and advisory fees, added up per year and over time.
How your riders really work
Your benefit base, roll-ups and step-ups, the death benefit, and what a withdrawal would do to each.
Keep, adjust or explore
Pros and cons in plain English. Often the answer is to keep what you have, and we'll explain why.
What does your annuity cost, all in?
Enter the charges from your statement or prospectus. Your review does the same math, using numbers your insurer confirms.
2.90% all-in · 290 bps
- Per month
- $1,208.33
- Over horizon
- $145,000
- Horizon
- 10 years
Example values; replace them with the figures from your statement or prospectus. Rider fees are often charged on a benefit base that can be larger than your account value, which makes the real dollar cost higher. Assumes a level balance and no growth.
When can you leave without a penalty?
Surrender charges are the most common reason people feel stuck. Move the slider to see how a typical schedule works.
Example seven-year schedule. Your actual schedule, free-withdrawal allowance and any market value adjustment will be in your report.
- Charge rate
- 5%
- Free withdrawal (10%)
- $25,000
Most contracts let you take out a portion each year without a charge. Beyond that, the charge applies to the rest. It usually declines each year until it reaches zero.
What to send us
- Your latest annual statement. All pages, even the ones that look like boilerplate.
- A signed authorization. We'll send you a one-page form that lets us request details from your insurer.
- Anything else you have. Your contract, rider pages or a recent in-force illustration all help.
What we never ask for by email
- Social Security numbers
- Full account or contract numbers
- Passwords or online account logins
When something sensitive is needed, we'll set up a secure way to exchange it.
$125. No commissions. No pitch.
You pay for the review, not a product. The fee doesn't change based on what we find.
Straight answers before you start.
Confidence comes from knowing, whether the answer is “keep it” or “let's look at options.”
Every report ends with clear next steps you can take on your own, or with the advisor of your choice.
Not sure yet? Talk it through first.
Pick a time to talk with Phil. Bring your statement or just your questions. You’ll leave knowing whether a full review is worth it for you, and if it isn’t, we’ll say so.
- No pitch and no products to sell
- Phone or video, your choice
- An invitation and a reminder land in your inbox
Call 803-448-4040 or email ppolito@eknox.co and we'll find a time that works.
Know what you own. Know what you pay.
Start with your latest statement. We'll take it from there.