Making a decision about an annuity requires more than comparing rates or looking at an illustration. The structure of the contract, the income provisions, the tax treatment, and the role the annuity plays within your broader financial plan all influence whether it will be effective for your long-term objectives.

The Smart Buyer’s Guide: 10-Point Annuity Checklist was created to help investors evaluate these factors in a clear and disciplined manner. This guide walks through the key considerations — including guarantees versus projections, income rider definitions, liquidity provisions, fees, carrier strength, and distribution taxation — so you can make informed decisions with confidence.

Whether you are approaching retirement, reviewing an existing annuity, or exploring options for the first time, this checklist provides a structured framework to help you ask the right questions and avoid common misunderstandings.

Download the guide to gain a clearer understanding of how annuities work and how they may fit into a comprehensive financial strategy.