Your annuity was priced for a world of near-zero interest rates. That world is gone.
Because rates are dramatically higher today, many newer income contracts guarantee 30–60% more annual income for life than the ones bought between 2000 and 2020 — with the same kind of guarantees you have now. The only way to know what you're leaving on the table is to look.
Every month you wait, you may be collecting hundreds of dollars less than you could — income you never get back.
See how much more income you could get
Free. No obligation. A 15-minute conversation, not a sales pitch. If your current annuity is still your best option, we'll say so.
more guaranteed lifetime income available in many of today's contracts vs. those issued when rates were near zero.*
- Compares guaranteed income to guaranteed income
- Same lifetime-income guarantee structure you already understand
- We only flag a move if your numbers actually improve
"It was an absolute no-brainer for me to change. I went from a guaranteed annual income of $15,915 to $26,093. That's 60% more income!"
— S.D., Age 64, California
Actual client result. Individual results vary and are not a guarantee of your outcome.
Why this is happening now
Interest rates are one of the major economic forces behind the guaranteed income an insurer can offer. Many contracts issued during the prolonged low-rate era were designed around economics very different from today's.
Then — the low-rate years (roughly 2008–2021)
Interest rates were held near zero for years. Insurance companies had less yield to work with, so contracts issued during this time promised less future income.
Now
Rates are far higher. Newer contracts can guarantee meaningfully more lifetime income — often 30–60% more — using the exact same type of guarantees.
"It's like a CD or a mortgage — the rate you locked in years ago doesn't update on its own. Someone has to actually compare it to today's."
If mortgage rates dropped sharply, you'd want to know. If your bank suddenly paid far more interest than it did ten years ago, you'd want to know that too. Your retirement income deserves the same attention — not because every contract should change, but because the financial world already has.
Old contract vs. Modern contract
Here is how older products often compare to what is available today.
| What matters to you | Your older annuity (bought 2000–2020) | A modern annuity |
|---|---|---|
| Guaranteed income for life | Locked to the low interest rates of the year you bought it | Can guarantee 30–60% more income, using today's higher rates* |
| What you pay each year | Often 2.5%–4% a year — and easy to overlook | Frequently 0.5 - 1% |
| When the market drops | Your balance can fall right along with it | The money you put in is protected — a downturn doesn't shrink it |
| When the market rises | You ride the ups and the downs | You share in the gains, without the losses |
Illustrative comparison; your actual figures depend on your specific contract.
What a review looks at
Three simple areas. We do the homework; you keep the contract you have unless the new numbers are clearly better.
Your current guaranteed income
What your existing contract actually promises.
Today's guaranteed-income alternatives
What the same assets may be capable of producing today.
The cost of staying where you are
Fees, surrender charges and the income difference — measured together.
How it works
Tell us about your contract
Just the carrier, year purchased, and the income it guarantees — takes about two minutes.
We run your Income X-Ray™
We compare your guaranteed income to today's, side by side, on a short Zoom call.
You decide — no pressure
If staying put is best we'll say so; if you could get 30–60% more, you'll see exactly how.
If your current annuity is still your best option, we'll say so.
"I was getting $45,000 a year from my old annuity. After making the change, I'm getting $67,745 — just over 50% more, and nearly $2,000 more every month."
— M.D., Age 78, Texas
Actual client result. Individual results vary and are not a guarantee of your outcome.
What this is NOT
This isn't about proving your annuity is bad. Many contracts are still excellent choices. Others may no longer provide the strongest guaranteed income available today. The only purpose of your Income X-Ray™ is to show you where yours stands — and if it's already your best option, we'll tell you.
Get your free Income X-Ray™
Find out exactly how much more lifetime income you could secure with today's higher rates.
What your Income X-Ray™ includes:
- Guaranteed lifetime income comparison
- Current market analysis
- Surrender-charge evaluation
- Fees & rider review
- Carrier strength review
- Personalized retirement income recommendations
- See your potential income increase as a real number
- Understand any surrender charge before you decide anything
- Keep the report whether or not you make a change
- Zero cost, zero obligation, zero pressure
Free · Independent · No obligation
Why free? We're paid by the insurance company only if you choose to move forward — never by you.
Your review is prepared personally by Kevin Fink — 30 years in retirement income — and his partner Dan Goodmanson, in financial services since 2013. Independent, so we're not tied to any one company's products.
Prefer to talk? Call (612) 242-5410
Run Your Numbers
Free Income X-Ray™
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Frequently Asked Questions
Your new income number already exists, you just haven't seen it yet.
Take 15 minutes to find out exactly how much more lifetime income you could secure.
If your current annuity is still your best option, we'll say so.