Annuity Review Service

Do you own an annuity and want a clear, unbiased assessment? With thousands of annuity products on the market, it’s important to confirm your contract still matches your financial goals. The main question: Does your annuity support your plan and provide the right guarantees for your needs?

Foxcove Financial offers a complimentary annuity review service designed to help you understand and evaluate your contract. Annuities can be complex—but an experienced annuity specialist can simplify the details and help you determine whether your annuity is still the right fit.

What’s Included in Our Annuity Review?

• Clear explanation of your annuity’s structure, terms, and features
• Assessment of your original goals for purchasing the annuity (e.g., income, growth, protection, or legacy)
• Evaluation of how your annuity fits within your overall financial plan
• Review of suitability based on your age, objectives, and risk tolerance
• Identification of unnecessary add-ons, riders, or fees
• Analysis of surrender charges and potential excessive fees
• Suggestions for alternative solutions, if needed

Contact us for an objective annuity review. Our service provides a second opinion to help you compare options and make informed decisions.

Why Request an Annuity Review?

The goal of our review is to help you gain a clear understanding of your contract’s benefits, costs, and limitations. As an independent resource, we offer an unbiased perspective—so you know where you stand, even if you already have a financial professional.

Annuities are sometimes sold with misunderstandings or incomplete information. We help clarify what your annuity can—and cannot—do for you.

How a Review Can Bring Clarity

Many annuity owners are surprised by how their contract works. For example, a “6–8% growth rate” may only apply to an income benefit value, not the actual cash value you can access. Our review breaks down the details so you know exactly how your contract performs.

Think of this service as a way to “peek behind the curtain” and make sure your annuity is truly serving your interests.

Quick Comparison: Common Types of Annuities

Type	Growth Method	Income Options	Market Risk
Immediate	None (converts lump sum into payouts)	Lifetime or set period	None
Fixed	Guaranteed fixed interest rate	Deferred or immediate payouts	None
Fixed Index	Interest credits linked to an index (with cap/floor)	Deferred, income riders, lifetime options	None
MYGA (Multi-Year Guarantee)	Fixed rate for a set term	Deferred or lump sum payout	None
Variable	Investment subaccounts (subject to market)	Deferred, income riders, lifetime options	Yes

Key Questions Covered in the Review

• Are you satisfied with your current annuity?
• What type of annuity do you own—fixed, indexed, immediate, or variable?
• How does your annuity fit into your broader retirement strategy?
• What was your primary reason for purchasing it (income, protection, growth, or other)?
• Would you change anything about your annuity, if possible?
• Are you comfortable with the insurer’s financial strength?
• Do you plan to use your annuity for income now, or later?
• How much guaranteed income does your annuity provide, and can payments be adjusted?
• What fees or charges are associated, and how are they calculated?
• What level of risk does your annuity involve?
• How long is the surrender charge period?
• How much has your account value grown since purchase?
• Does your annuity include a bonus, and how does it work?
• Are there restrictions on when you can begin income payments?
• How much can you withdraw penalty-free?
• Does your contract include enhanced benefits for long-term care?

Ready for a complimentary, independent annuity review? Foxcove Financial is here to help you gain confidence and clarity about your retirement strategy—at no cost and no obligation.