Annuity Checkup

OwnYourPension

Already own an annuity and not sure if it’s any good? Answer a few questions about what you have and we’ll flag what’s worth a closer look — high fees, a long surrender schedule, a rider you may not be using. Plain flags to discuss, not a verdict on your specific contract.

“OwnYourPension” is an educational brand name — not a pension provider. Annuities are insurance products, not employer or government pensions, and are not insured by the PBGC, the FDIC, or any government agency. Guarantees depend solely on the claims-paying ability of the issuing insurance company.

What you own

Type of annuity Current value Approx. all-in annual fee — % per year. Variable annuities often run 2–4%; fixed/MYGA usually 0. Years left in your surrender period — the window with an early-exit charge (0 if none) Living-benefit / income rider? Your age today

Your checkup

Overall read

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Enter your details to see the flags.

Get a free, no-obligation second opinion

Send your details and an OwnYourPension specialist will give you a straight read on the annuity you already own — what it’s really costing you, what it’s actually doing for you, and whether keeping it, adjusting it, or leaving it alone is the smart move. If it’s a good contract, we’ll tell you to keep it.

Thanks — a specialist will reach out shortly.

Important. This checkup is for educational purposes only and is not a quote, an offer, a rating of your specific contract, or a recommendation to buy, keep, surrender, or exchange any product. The flags are general and are based only on the limited details you enter; the estimated fee figure is simply your entered fee percentage applied to your entered value and will differ from your contract’s actual costs. A real review depends on your annuity’s prospectus or contract, the issuing insurance company, the specific product, riders, surrender schedule, your state of residence, and your own tax situation. Replacing or exchanging an annuity can trigger new surrender charges, a new surrender period, loss of benefits, and tax consequences, and is not always in your interest — it should only be done after a full suitability review. Guarantees are backed solely by the claims-paying ability of the issuing insurance company — not by OwnYourPension, by any insurance agency, or by any government agency. Tax references are general and are not tax advice; consult your own tax professional. OwnYourPension is an educational resource and is not an insurance company; annuities are offered through licensed insurance agencies we work with, who are compensated by commission. OwnYourPension is affiliated with T&T Capital Management LLC, a registered investment adviser and fiduciary that charges a fee for advisory services; which entity serves you, and how it is compensated, is disclosed before you engage.