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 when you buy an annuity — so the writing and the time are how we make sure you’re confident, not rushed. If keeping your CD is the smarter move, that’s what we’ll tell you.
About Rikin
Rikin founded GetSure in 2019 to bring analytical rigor to insurance planning. Before that he worked at J.P. Morgan and the insurance investment firm Stone Point Capital and studied applied mathematics at Columbia before earning his MBA at Stanford. He lives in Greenbrae, California with his high school sweetheart Martha and their two children.
How it works
What happens on the call
It is by phone. There is nothing to prepare. We go through it together, step by step.
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1
We discuss your situation
Where your money sits now, what it’s for, and when you might need it.
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2
We explain your options
In plain words. What fits your situation, and what does not.
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3
We run the numbers
Your balance, your rate, your tax bracket. What they add up to, in writing.
You leave with a written analysis
After the call, we send a one-page summary: your numbers, your options, and our recommendation in plain words.
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A licensed agent goes through your numbers with you — pick any time that works.
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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. Your numbers, your CD, a clear answer. If keeping your CD is smarter, we will tell you.
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