Hidden M&E and rider fees
Many variable annuities carry 3%+ in stacked fees that quietly eat your returns. They're rarely disclosed up front.
Annuities aren't bad. Bad annuities are bad. Here are the problems we find most often when reviewing existing contracts.
Many variable annuities carry 3%+ in stacked fees that quietly eat your returns. They're rarely disclosed up front.
The 'roll-up rate' being misinterpreted. Confusing rider math leads many owners to overestimate growth.
A growth-oriented variable annuity sold to a 72-year-old retiree is rarely the right fit. Suitability often fails.
An income rider with a client's goal being growth can often be fixed with a simple change.
Annuities convert long-term capital gains into ordinary income. In taxable accounts, this can cost thousands.
Contracts written 10+ years ago may have higher fees and weaker benefits than what's available today.
Send us your contract details. We'll tell you exactly which issues are present — and which aren't.
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