Optimize Your Client's Legacy Annuities

We find the hidden money in your clients' annuities.
Built for RIAs. Founded by actuaries.

Turn Complexity into Clarity

We decode the complex riders and guarantees in your clients' legacy annuities, delivering a clear, actionable report for your fiduciary process.100% Fee-Only Aligned: No client contact.
Fiduciary-Grade Analysis: Insights powered by proprietary actuarial intelligence.
Built for Your Practice: White-label reports and workflows designed for RIAs.

Where We Find Hidden Value

The Financial ImpactThe OversightOur Actionable Insight
Pure fee drag. The client is gifting profit to the insurer and missing out on tax-advantaged income.Unused VA Withdrawal BenefitCalculates the optimal "first withdrawal" amount and timing to turn the paid-for benefit into cash flow.
Client's lifetime income floor is stagnant, leaving $5,000+ per year on the table permanently.Missed "Step-Up" ElectionFlags the exact contract anniversary date and provides the form/portal instructions to lock in the higher base.
Can permanently reduce the future guaranteed income by 10-15%, creating a future client satisfaction issue.Excess WithdrawalsProvides a guardrailed withdrawal schedule to preserve 100% of the future income guarantee.
Upon the first death, the surviving spouse's income could drop by 40% or more.Suboptimal Spousal ElectionRecommends a specific ownership or beneficiary change to fully protect the spouse's lifetime income.
Choosing the wrong withdrawal option can reduce the policy's total value by $150,000 or more for the client's health profile.The "Flex" Withdrawal Option DecisionRuns a health-adjusted valuation to show which election maximizes expected lifetime value.

Frequently Asked Questions

Who is behind this analysis?
Our team is led by a Fellow of the Society of Actuaries (FSA) with over 15 years of institutional experience. We refine the models used by major insurance carriers, ensuring your clients get institutional-grade valuation, not retail sales guesses.
Will you ever contact my client directly?
Never. We are a back-office solution for you. All reports are white-labeled with your logo, and we sign a strict Non-Solicitation Agreement. You maintain the client relationship 100%.
Do you sell commissioned products?
No. We are built for the Fee-Only world. If a product needs to be replaced, we recommend Investment-Only Variable Annuities (IOVAs) or fee-based carriers that fit your AUM model.
How do you get data from paper policies?
We use proprietary Intelligent Document Processing (IDP). You simply upload the PDF statement of the policy pages. Our system extracts the critical data (riders, surrender tables, fees) and analyze them.
Is this secure?
Yes. Our portal is SOC2 compliant (in progress) and uses bank-level 256-bit encryption. We require you redact any PII such as policy number or SSN; we only need basic info such as gender, date of birth and policy details to perform the analysis.
What if the analysis shows the current policy is actually good?
Then we say so. Our "Keep vs. Replace" analysis is rigorous and objective. If a legacy policy has a rich guaranteed income rider that cannot be beaten in today's market, our Fiduciary Recommendation will be "HOLD." This honesty builds trust with your client.

Get a Free Policy Analysis

Send us one redacted statement you've been avoiding. We'll analyze it and show you the hidden opportunity or risk—no cost, no commitment.

Annuity Voice

Disclaimer: Exclusive for Financial Professional Use Only. Not for use with the general public. The Annuity Voice provides analysis and tools for advisors; all investment decisions remain the responsibility of the advisor and client.