A written second opinion

Your fixed annuity has more moving parts than the statement shows.

A Policy X-Ray reads your contract and lays it all out in writing — plain English, your actual numbers.

Inside your contract

What your fixed annuity is doing right now

Your rate has a reset date.

After the guaranteed period ends, the carrier sets your rate — sometimes every year. Most owners can't name the date.

Your contract has a minimum floor.

Often 1%. Below that the carrier can't go. Above it, they can credit whatever they want.

Your surrender charge has an end date.

Move money before that day and you pay a penalty. Move after and it's free. Few owners can name the date.

You can pull 10% a year, penalty-free.

A contractual right inside most annuities. Selling agents rarely mention it.

Every one of these has a specific number attached to it on your contract. A Policy X-Ray puts them all in one document.

What we send

This is exactly what you get

Step 1

01Your policy docs, handled

You sign a one-page authorization. We pull your contract and current illustration from the carrier. No digging through files. No 800 numbers. No hold music.

Carrier Request
Signed
Authorization · Patricia H. 2/12/26
PDF
annuity-contract.pdf
✓
PDF
current-illustration.pdf
✓
Step 2

02A full written X-Ray

A 12-page PDF that answers every question above with your actual numbers. Each lever explained in plain English, your options modeled with math, and a single table matching your situation to the right move. Swipe through the pages below — or open the real thing in a new tab.

Sample Fixed Annuity X-Ray page
1 / 8
Open the full PDF →

Sample pages above are from a real Fixed Annuity X-Ray. Client details anonymized; numbers and structure are real.

Pricing

Two ways to start

Policy Quick Scan
$97one-time

We pull your contract and current illustration from the carrier, then send you a one-paragraph take from a licensed agent on whether a full X-Ray is worth it for your policy.

  • Signed authorization + carrier retrieval
  • Your contract + current illustration, as PDFs
  • One-paragraph take from a licensed agent
  • 1–2 weeks typical turnaround
  • $97 credited toward the full X-Ray if you upgrade
Get the Quick Scan — $97
Full Policy X-Ray
$497one-time

The full written analysis of one policy — every lever in plain English, every option modeled with real math, and a decision table matching your situation to the right move.

  • Docs retrieved from the carrier (included)
  • Full written analysis, roughly 12 pages
  • Every option modeled with actual math
  • Decision table matching your situation
  • Licensed agent writes it; second reviewer checks it
  • 100% money-back guarantee
Order the Full X-Ray — $497

100% money-back guarantee. If no action worth taking surfaces in your X-Ray, we refund your fee in full.

For reference: comparable written analyses from independent insurance advisors run $1,000–$2,000 per policy. Attorney-led review firms typically run $3,000–$10,000.

Process

How ordering works

  1. 01

    Order the review.

    Pick your tier, pay by card. Three-minute form.

  2. 02

    Send us the policy.

    Upload your annual statement and contract via a secure link we email. Don’t have them? We’ll request them from your carrier with your signed authorization.

  3. 03

    We do the analysis.

    A licensed agent reads your contract, pulls a current carrier illustration, and models the specific alternatives for your situation. A second reviewer checks it before it ships.

  4. 04

    You receive the document.

    A 12-page PDF with the facts on page one and your options laid out with numbers. If nothing surfaces worth telling you, we refund your fee automatically.

When you’re ready

A written read of your annuity. No call. No pitch.

Twelve to twenty pages. The facts on page one. Your options in dollars. Full refund if we find nothing worth telling you.

Do I need an X-Ray?

or write to [email protected]