Ask us anything about annuities. No pitch attached.
Send a question and get a written answer from Connor, usually within one business day. You won't be added to a mailing list and nobody will call you unless you ask them to.
What would you like to know?
What you'll actually get back.
A written answer from Connor, usually within one business day. Not a call-back attempt, not a sequence of marketing emails, and not a request for your account numbers — an answer to what you asked.
If the honest answer is "this needs a conversation to be useful," we'll say that and explain why, rather than guessing at a reply that sounds complete but isn't. And if the answer is that you don't need an annuity, that's what you'll get.
What people usually write in about.
"I've been shown an illustration"
Tell us the carrier and product name and what you were told about the rate. Illustrations show projections under assumptions the carrier chose — the useful questions are what's guaranteed, what isn't, and what the surrender schedule looks like.
"I already own one and don't understand it"
Extremely common, and nothing to feel awkward about. Tell us the carrier and roughly when you bought it. Most owners can't say what their contract costs annually, and that number is findable.
"Someone suggested I exchange mine"
Worth a second opinion every time. A 1035 exchange can be sensible or can restart a surrender schedule for someone else's benefit. Which one it is depends on details worth checking first.
"Is this carrier safe?"
Name the carrier and we'll pull the current rating, the outlook, and any ownership changes. It's the question people ask least and should ask first.
Please don't send account numbers, Social Security numbers, or login details — we never need them to answer a question, and email isn't a secure channel for them.
Some we've already answered.
"How safe is the insurer?"
What AM Best letter grades mean for your guarantee.
"Annuity or Roth IRA?"
How the two compare, and when each makes sense.
"Are variable annuities a rip-off?"
The fee stack, explained without the defensiveness.
Not sure what to ask? Take the two-minute quiz and it'll give you a starting point.