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  • WSG Annuity Review

“If You Had An Annuity Before 2025 the Rates Have Changed. Have you had yours reviewed?”

The broader rate environment has changed, while your contract’s guarantees may not have. Your annuity deserves a current, side-by-side review before your next income, withdrawal or legacy decision.
Review my annuity
See what we review
  • Contract first
  • Options second
  • Recommendation last
  • Why review now

Your Annuity may be doing exactly what it promised. The question is whether it still fits.

A review compares the contract you own with the job you need it to do today. It does not begin with a replacement.
  • When you purchased

Original guarantees, rates and priorities

  • What matters now

Current income, access and legacy needs

Newer does not automatically mean better. Existing guarantees, surrender periods, tax treatment and income features may be valuable. We read those first.
  • The WSG review lens

Four questions. One contract. A clearer decision.

Choose the area that matters most. A complete review connects all four.
  • GROWTH

How is value credited now?

We separate guarantees from current, non-guaranteed terms and examine how the contract has actually been credited.
  • Guaranteed minimums
  • Current declared rates
  • Caps and participation rates
  • Spreads and index options
  • INCOME

What Income Can the Contract Support?

We distinguish account value from any income-benefit base and test when, how and for whom income may begin.
  • Income base versus account value
  • Withdrawal percentage
  • Single or joint income
  • Deferral and activation terms
  • ACCESS

What Can You Reach, and At What Cost?

We map the paths to liquidity before a withdrawal, exchange or annuitization changes the contract.
  • Free-withdrawal amount
  • Surrender schedule
  • Market value adjustment
  • RMD and tax considerations
  • LEGACY

What Reaches the People You Chose?

We confirm who owns the contract, who receives the benefit and what choices may be available after death.
  • Beneficiary designations
  • Death-benefit calculation
  • Spousal continuation
  • Trust and estate coordination
  • How it works

Review before recommendation.

A disciplined process protects the features you already have and surfaces the tradeoffs you need to understand.

01

Read the Contract

We identify the annuity type, guarantees, riders, surrender schedule, current values and beneficiary structure.

02

Clarify the Job

We connect the contract to your income timing, liquidity, risk tolerance, tax context and legacy priorities.

03

Compare the Choices

Keep, adjust, activate, exchange or reposition only after costs, benefits, risks and alternatives are documented.
Any recommendation is subject to applicable suitability or best-interest requirements, product availability, licensing, carrier review and the facts known at the time.
  • Prepare for the review

Three Documents Tell Most Of the Story.

01

Your latest annual statement

Current value, surrender value, credited interest and rider values.

02

The original contract or policy summary

Guarantees, issue date, surrender schedule, elections and definitions.

03

Recent rider or renewal pages

Income terms, rate notices, index changes, beneficiary updates and amendments.
  • No paperwork?

Start with what you have.

A statement or carrier name is enough to begin identifying the questions. We will tell you what additional information is needed before any comparison or recommendation.
Start my review
  • Request a review

Know What You Own before you decide what comes next.

Tell us a little about the contract and the question you want answered. A WSG annuity professional can then prepare for a focused conversation.

A review request is not an application, recommendation, replacement authorization or commitment to purchase.

  • Common questions

A Useful Review Starts With the Contract, Not A Conclusion.

No. An existing contract may contain valuable guarantees, income benefits or surrender terms. A replacement or exchange should be considered only after comparing the existing contract with available alternatives, including costs, benefits, risks and tax consequences.

Depending on the contract, current declared rates, caps, participation rates, spreads, available index options, income factors and carrier offerings may differ. Your contractual guarantees do not change simply because newer products or rates exist.

Access depends on the contract. Free-withdrawal provisions, surrender charges, market value adjustments, rider rules, required minimum distributions and tax treatment should be reviewed before taking money out.

Annuity guarantees are obligations of the issuing insurance company and depend on its claims-paying ability. They are not bank deposits and are not insured by the FDIC or NCUA. State guaranty association protections vary and should not be used as a sales inducement.

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