Annuity Fee X-Ray

OwnYourPension

Annuity fees hide in layers — a base charge, a rider, the funds inside. Add up what you’re actually paying and see it in real dollars: per year, and over the years you plan to hold it. Fees aren’t automatically bad — the honest question is what they’re buying you. An estimate to learn from, not a quote.

“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.

Your fees

Current annuity value Type — just sets the hints below Base / mortality & expense fee — % per year Rider fee — income / death-benefit rider, % per year Fund / subaccount fee — % per year (variable annuities) Years you expect to hold it

The real cost

All-in fees, per year

$0 /yr

All-in fee

Over the years

Each 1% / yr

Enter your numbers to x-ray the fees.

Find out what those fees are actually buying you

Send your details and an OwnYourPension specialist will give you a straight read: what each layer of fee is paying for, whether you’re using the benefits you’re charged for, and whether a lower-cost option would leave you better off — or whether what you have is worth keeping. No pressure, no obligation.

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Important. This x-ray is for educational purposes only and is not a quote, an offer, or a recommendation to buy, keep, surrender, or exchange any product. It simply adds the fee percentages you enter and applies them to the value you enter; the “over the years” figure assumes a flat balance and is deliberately conservative (it does not project growth, and on a growing balance actual dollar fees would be higher). Your contract’s real costs depend on its prospectus or disclosure, the issuing insurance company, the specific product, the funds or index options selected, and any riders, and may differ from what you enter. A higher fee is not automatically a bad deal — some fees pay for guarantees that have real value to you; the right comparison is fee versus benefit for your 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. 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.