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Your savings, your options, and a clear answer in writing. By phone. No pressure.
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What you get afterward
A written review, like these
After the call we send a signed, plain-English analysis of your decision — your numbers, the paths, and where we land. Open a few examples.
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Should I break my CD early?
Closing a 5.10% CD to lock a longer guarantee
Open the PDF -
My CD is maturing — renew or move?
Bank renewal vs. a higher CD vs. a fixed annuity
Open the PDF -
Should I renew this annuity?
Renew at 3.10%, 1035 exchange, or move to CDs
Open the PDF -
Where should idle IRA cash go?
How much of $180K to keep liquid vs. lock in
Open the PDF
Sample reviews. Names and figures are illustrative.
A note from our founder
Good advice holds up. It reads the same on a second pass — after you’ve slept on it, or talked it over with your spouse.
So that’s what we give you: the recommendation in writing, the math behind it, and the time to sit with it. We earn a commission only if you buy — so the writing and the time are how we make sure you’re confident, not rushed. If keeping what you have is the smarter move, that’s what we’ll tell you.
Good to know
Common questions
Plain answers to what people ask before they book.
Are annuities a bad deal?
Some are. The complex, high-fee variable and indexed kinds earned that name. A multi-year fixed annuity is the plain version: one set rate, one set term, no moving parts. It is the only kind we would ever suggest in place of a CD.
How is it different from a CD?
Both lock in a fixed rate for a set number of years. The difference: a fixed annuity (a MYGA) comes from an insurance company, not a bank. It usually pays a higher rate. And it grows tax-deferred, so you do not owe tax on the interest until you take it out.
Is my money safe? Can I lose it?
Not to the market. A multi-year fixed annuity guarantees your principal and a set rate for the whole term, so the insurer carries the market risk, not you. That guarantee rests on the insurer’s financial strength, which is why we use strong, highly rated carriers. Insurers are also closely regulated and must hold reserves behind every dollar they guarantee. (Unlike a bank CD, an annuity is not FDIC-insured.) The one thing to plan for is needing the money early, which can mean a surrender charge.
What if I need the money before the term ends?
Many contracts let you take out a portion each year with no penalty. Taking out more during the term can trigger a surrender charge. And before age 59½, the IRS adds a 10% penalty on the gains. We go through the exact terms with you first, so we only suggest a term that fits your timeline.
Do I have to move all my savings?
No. Most people move only part of their CD or savings, whatever amount makes sense for them. It is your choice.
Why use GetSure instead of the insurer directly?
We are independent, so we compare strong carriers and bring you a good rate without the legwork, at no extra cost. Going through us does not make your rate any higher.
How do you get paid?
The insurance company pays us a commission, and only if you choose to move money. You never pay us a fee. We show you the figure in writing before anything is signed.
Ready when you are
See your options in plain words.
Book a free call with a licensed GetSure advisor. The written review comes afterward.
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