Five checks.
A fresh perspective.
Start with the annuity you already own.
Five checks. Clearer questions.
Life changes. Your annuity may still be a good fit—or it may deserve a closer look. Use the five-point checklist to see what is worth a conversation.
No obligation to change your annuity.
- 01Goals
- 02Beneficiaries
- 03Growth
- 04Income & RMDs
- 05Health & carrier
Your five-point review.
Work through questions in five categories to prepare for your five-point review. Select a colored category to open its questions, or use the Back and Next section arrows to move through them in order.
A closer look.
At your pace.
Nineteen questions to help you prepare for a review. “Not sure” is a useful answer, too.
Your answers stay in this tab. They are not sent to Mark and will clear when you reload or leave. Save or print a copy to keep them.
Goals check
Choose an answer for each question, or skip any you prefer.
Five-Point Annuity Checklist
Talking Turning 65 · Conversation preparation
Goals check
- Has the purpose of your annuity changed?
Answer: __________________________________________________
- What was your annuity originally intended to do?
Answer: __________________________________________________
- What do you want your annuity to do now?
Answer: __________________________________________________
- Has leaving a legacy or protecting loved ones become more important?
Answer: __________________________________________________
Beneficiary check
- Have you confirmed your contingent (backup) beneficiaries?
Answer: __________________________________________________
- Have there been marriages, deaths, or divorces since your last review?
Answer: __________________________________________________
- If you have a trust, is it named as a beneficiary?
Answer: __________________________________________________
- Does your beneficiary arrangement still reflect your wishes?
Answer: __________________________________________________
Growth check
- If you have an indexed annuity, have you reviewed its current index options?
Answer: __________________________________________________
- Have you reviewed whether your allocations still fit your goals?
Answer: __________________________________________________
- Do you understand how your contract’s growth compares with your expectations?
Answer: __________________________________________________
Income & RMD check
- Do you need additional income earlier than you originally planned?
Answer: __________________________________________________
- Have you confirmed whether required minimum distributions (RMDs) apply to your account and when?
Answer: __________________________________________________
- Have you reviewed the costs and tax implications of your withdrawals with the appropriate professional?
Answer: __________________________________________________
- Are you concerned about how rising living costs could affect your income later in retirement?
Answer: __________________________________________________
Health-care & insurance carrier check
- Have your health or care-planning needs changed?
Answer: __________________________________________________
- Do you want to discuss how healthcare expenses fit into your retirement plan?
Answer: __________________________________________________
- Are you aware of any changes to your insurance carrier’s ownership or operations?
Answer: __________________________________________________
- Do you have an annuity statement from the last 12 months?
Answer: __________________________________________________
For education and conversation preparation, not a recommendation to buy, sell, or replace an annuity. Answers have not been submitted to Mark.
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A review begins with understanding.
Your annuity may be doing exactly what you need. A conversation can help you identify what still fits and what deserves a closer look.
Before considering any change, review surrender charges, withdrawal restrictions, existing benefits you could lose, tax implications, and whether a replacement starts a new surrender period.
- What you own
Your contract and its features
- What has changed
Your needs and priorities
- What to ask
Questions for your review
A conversation
after the checklist.
Have a question—or a few “not sure” answers? Bring them to a 20-minute annuity review with Mark. Start with what you own, what has changed, and what you want to understand.
There is no cost for the initial conversation and preliminary review. You do not need your statement for the first call.
Schedule my 20-minute review (opens in a new tab)
Before you book anything.
A review starts with understanding. It does not commit you to a new annuity.
Do I have to replace my annuity?
No. The review begins with the annuity you already own. You are under no obligation to make a change.
What if I still have a surrender charge?
That is an important detail to review before considering a change. Ask about any surrender charges, existing benefits you could lose, and whether a replacement would start a new surrender period.
Do I need my statement for the first call?
No. The first conversation helps determine whether a detailed statement review would be useful. If you have a recent statement, keep it handy for your own reference.
Is there a fee for the review?
There is no fee for the initial conversation and preliminary review.
Does completing the checklist send my answers to Mark?
No. Your answers stay in your current browser tab. Print or save them before you leave. An optional review request sends contact details only; your checklist answers are never included.
Your annuity may be fine.
It simply should not be forgotten.
Start with the checklistThis checklist is for education and conversation preparation, not a recommendation to buy, sell, or replace an annuity. Any change should consider your contract’s charges, benefits, restrictions, and tax implications with the appropriate professional.
For reference: Investor.gov: understanding annuities · IRS: required minimum distributions.