Is your annuity still doing its job?
A 60-second health check across 7 dimensions for people who already own an annuity. You’ll get a score, your biggest flag, and a plain-English read on whether it’s holding ground or drifting.
First — do you currently own an annuity?
The audit is built for current owners. If you’re considering one or just learning, we’ll point you somewhere more useful.
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Frequently asked questions
Who is this audit for?
People who already own an annuity. The score evaluates how your existing contract is doing across 7 dimensions — cap trend, fees, strategy fit, liquidity, rider use, contract era, and how well you understand it. If you don't own one yet, the tool will point you to the right starting place instead.
How is the score calculated?
Each of the 7 dimensions scores 0-15 based on your answer (15 = best, 2-3 = worst, "not sure" lands in the middle around 5-7). The total is normalized to a 0-100 scale. 80+ is "Strong," 60-79 is "Fair," below 60 is "Needs Review." The lowest-scoring dimension becomes your biggest flag.
What does a low score actually mean?
Not automatically that you should replace the contract. A "Needs Review" score means there's enough drift between what the contract is doing and what you need it to do that an outside read is genuinely useful. Replacement only makes sense when a new contract can absorb the surrender cost AND beat your current contract on the dimensions that matter to you.
What if I answer "not sure" to a lot of questions?
That itself is a useful signal — "I don't fully understand my contract" is one of the most fixable flags. A 15-minute plain-English readout of your actual contract usually clears up 80% of the "not sures" in one session.
What can’t this audit see?
Anything that requires the actual contract: your exact surrender charge today, the contract's specific crediting method, the precise rider cost, and how the carrier's reserves and reinsurance look. Those need a licensed specialist with your statement in hand. The audit is the diagnostic; the call is the prescription.