Purpose and time horizon
Clarify whether the priority is future income, principal protection, accumulation, legacy planning, or another objective.
Annuity education
Income goals first. Contract details made clear.
Annuities can be designed for accumulation, protection, or income. They can also include surrender periods, access limits, contract charges, optional benefits, and insurer-backed guarantees that should be understood before any decision.
Educational review only. Product availability and suitability depend on individual circumstances.
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.
Annuity channel
Start with an educational contract review.
Use this annuity-specific request form. After it is submitted, you can choose a time on the dedicated annuity calendar. Your request is routed separately from IUL inquiries.
Safe Strategies direct line(720) 800-9260Complete the secure form, then choose a time. Optional messaging choices remain unchecked unless you select them.