Purpose and time horizon
Clarify whether the priority is future income, principal protection, accumulation, legacy planning, or another objective.
Annuity education · A personal second opinion
Your annuity review.
Clarity starts here.
Your income. Your access to money. Your family. Understand how your annuity connects to what matters—through a complimentary, personal review with Safe Strategies Financial.
No obligation to purchase. Keeping your current annuity may be the right outcome.
Personal annuity review
A few questions.
A more personal conversation.
Answer a few focused questions about your goals and current situation. Then choose a time on the dedicated Safe Strategies calendar for an educational, no-obligation review.
Quick reviewNo obligationPrivate and secure
Safe Strategies direct line(720) 800-9260Tell us a little about your priorities. Then choose a convenient time for your private review.
Liquidity
Review penalty-free withdrawal provisions, surrender periods, required distributions, and cash needs outside the contract.
Guarantees
Identify which benefits are guaranteed by the contract, which depend on elected options, and which values can change.
Costs and limitations
Understand surrender charges, optional-benefit costs, market value adjustments where applicable, and other contract terms.
Income design
Compare timing, payout structure, beneficiary considerations, inflation risk, and the tradeoff between income and flexibility.
Alternatives
Compare the annuity with other ways to meet income, liquidity, growth, protection, and legacy priorities before deciding.
Before we talk
Annuity review.
Your questions, answered.
Start with the questions that matter to you.
Read the annuity review checklist →Explore annuity guidesWhat is an annuity review?
An annuity review is a conversation about how your existing contract fits your priorities. At Safe Strategies Financial, we examine income options, access to money, costs, guarantees, and beneficiary considerations so you can ask informed questions before deciding what comes next.
Is the annuity review complimentary?
Yes. Safe Strategies Financial offers a complimentary educational annuity review with no obligation to purchase. Start with the short request form, then choose a time to speak with our team.
Can I get a second opinion on an existing annuity?
Yes. You can request a review of an annuity you already own. Tell us what you want to understand and the type of contract you have. We will confirm how we can help within our licensing and the scope of the review.
Does a review mean I should replace my annuity?
No. Keeping your current annuity may be the right outcome. Before considering a change, understand the benefits you would give up, any surrender charges, and the terms of a proposed replacement. A new contract can start a new surrender period.
What should I bring to my annuity review?
Have your latest statement, contract, and any rider or renewal notices available for the conversation. Write down your questions about income timing, withdrawals, fees, and beneficiaries. Do not enter account numbers or other sensitive information in the initial request form.
Can you help me understand surrender charges and income riders?
These are useful topics for your review. We can discuss the provisions shown in your contract and identify questions to confirm with your insurer. The exact terms depend on your annuity; the review does not promise higher returns, lower charges, or a particular outcome.
For general background on contract changes, see Investor.gov’s annuity overview.