7 Questions to Ask Before Buying an Annuity
Don't buy an annuity until you've read this. Our free guide — written by experts with 25+ years of experience — covers the critical questions most buyers never think to ask.
Download the Free GuideWhat's Inside the Guide
Each question includes a plain-English explanation, real-world examples, and actionable tips you can use immediately.
What type of annuity is right for my situation?
Fixed, variable, indexed — learn which fits your risk tolerance and goals.
How much guaranteed income will I actually receive?
Understand payout rates and what drives your monthly income amount.
What are the fees and surrender charges?
Know every cost before you commit — and how to avoid unnecessary fees.
How financially strong is the insurance company?
Why AM Best ratings matter and how to evaluate carrier stability.
What happens to my money if I die early?
Death benefits, period-certain options, and protecting your beneficiaries.
How will my annuity income be taxed?
Federal vs. state taxes, exclusion ratios, and qualified vs. non-qualified.
Can I access my money if I need it?
Liquidity options, free withdrawal provisions, and emergency access.
Free Guide: 7 Questions to Ask Before Buying an Annuity
Not ready for a quote yet? Download our free guide to learn what the insurance companies don't tell you. Written by annuity experts with 25+ years of experience.
What You'll Learn
Beyond the 7 questions, the guide includes practical tools and strategies to protect your retirement savings.
Rate Comparison Framework
Learn how to compare annuity rates across carriers so you get the best deal — not just the first offer.
Tax Optimization Strategies
Understand how to minimize your tax burden on annuity income at both the federal and state level.
Red Flags to Watch For
Identify high-fee products, misleading sales tactics, and carriers to avoid before you sign anything.
Step-by-Step Buying Checklist
A printable checklist that walks you through the entire annuity purchase process from start to finish.
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