Our Compensation Is Simple
The Annuity Expert is an independent retirement planner, financial advisor, insurance agency, and annuity broker. We are paid directly by the insurance companies when you buy a policy or annuity through us. You never pay us a consulting fee, planning fee, or service fee. Our guidance, quotes, and recommendations are always free.
Why This Matters
Our compensation structure ensures you get unbiased help without extra charges. Whether you’re comparing annuities, life insurance, long-term care insurance, disability insurance, or health coverage, you receive the same level of support at no added cost.
No Hidden Fees
You never pay more for a product when working with us. Insurance and annuity rates are filed with each state’s Department of Insurance. This means you cannot get a better price by going directly to a carrier. In fact, going direct removes your access to an independent broker who can compare options across companies.
We Never Touch Your Money
We do not handle, hold, touch, deposit, or move your funds at any point. You always write checks or send wire/ACH transfers directly to the insurance company or the financial institution.
Our role is strictly to facilitate the application and policy issuance. This protects you, ensures your money goes straight to the institution, and removes any possibility of misdirection or misuse. We guide the process, but your money never flows through us.
We Work For You, Not the Insurance Companies
We operate as an independent agency and brokerage. That means:
- We recommend the products that best fit your goals, not what pays the highest commission.
- All commissions are built into the product—whether you buy through us or someone else, the price is the same.
- We compare dozens of carriers to help you save money and get the best terms possible.
Why Insurance Companies Pay Us
Insurance companies compensate us because we do the work for them:
- Educating you about your options
- Helping you compare rates, benefits, and contract terms
- Handling applications and policy delivery
- Providing ongoing support throughout the life of your policy or annuity
This allows the insurance company to avoid paying full-time staff for these services.
We Do Not Sell Your Personal Information
Many annuity and insurance websites collect your information and sell it to multiple agents or call centers. We do not do that. Your information is private, stays with us, and is only used to help you compare options or buy coverage. You will never receive spam calls or emails from third-party salespeople because of us.
What You Get For Free
When you work with The Annuity Expert, you receive:
- Personalized annuity comparisons
- Life, annuity, long-term care, disability, and health insurance shopping
- Retirement income planning
- 1-on-1 support from licensed professionals
- Help maximize benefits and minimize costs.
- Policy service for the life of the contract
All at no cost to you.
Why Using a Broker Saves You Money
Buying direct means:
- No comparison of competing carriers
- No guidance on contract terms
- No help reviewing surrender periods, riders, fees, or exclusions
- No expert is looking out for your best interests.
Our job is to ensure you get the best value and avoid costly mistakes.
The Bottom Line
You get expert help, personalized guidance, and access to the best options—all without paying us a fee. The insurance company pays us for placing the policy and servicing it over time. You get the benefit of a full-service advisor at no extra cost.
If you’d like personalized recommendations or want to shop and compare quotes, contact The Annuity Expert for free help anytime.
Book A Free Consultation
Get help from a licensed financial professional. This service is free of charge.
Let Us Answer Your Questions
Not quite ready for a meeting, but you have a question that needs answering? We’re happy to help. Leave an inquiry below, and one of our staff will respond via email.