Licensed in all 50 states. Authorized with carriers that issue child and custodial annuity contracts. Specialists in current and legacy annuities for minors.
This page is for parents, grandparents, and legal guardians who are already considering—or already own—an annuity for a child and need clear guidance before taking action.
Most people who reach this point fall into one of these situations:
- You’re ready to buy an annuity for a child and want it structured correctly
- You’ve been shown a proposal and want a second opinion before moving forward
- You already own an annuity for a minor and need help understanding how it actually works
This is not a general discussion about saving for kids. This is about getting the contract right.
You Must Work With a Licensed Annuity Agent
Annuities for children are insurance contracts governed by state insurance law, custodial rules, and carrier-specific guidelines.
They cannot be explained or issued correctly without a licensed annuity agent who is authorized with the carrier.
The Annuity Expert is licensed in all 50 states and appointed with carriers that offer annuities for minors.
That authorization is required to review ownership structures, explain restrictions, and ensure the annuity complies with state and carrier rules.
My National Producer Number (NPN): 15524738
Designation: CRPC® (Chartered Retirement Planning Counselor)
Call us now at 770-755-1565 or get a free quote below
We Specialize in Annuities for Children—Including Older Contracts
Child annuities are often misunderstood, especially those purchased years ago.
We regularly help families who:
- Bought an annuity for a child without fully understanding the ownership rules
- Are unsure who controls the annuity and when that control changes
- Don’t know how the annuity is treated when the child reaches adulthood
- Were told the annuity could be “changed later” without being shown the limits
We work with both newly issued and legacy annuities for minors, including custodial structures that are no longer sold today.
Why Issue Year, Ownership, and Contract Design Matter
With annuities for children, contract design matters more than intent.
- Ownership determines who controls the annuity
- The issue year affects available options and restrictions
- Some contracts automatically change control at a certain age
- Others lock in rules that cannot be modified later
Two annuities bought “for a child” can operate very differently depending on how they were issued.
Buying an Annuity for a Child
If you’re planning to purchase an annuity for a minor, we help ensure:
- The ownership and custodial structure is correct from day one
- You understand exactly when and how control transfers
- The contract matches your long-term intent—not assumptions
- You are aware of limitations before the application is submitted
These contracts are difficult to fix after an issue. Structure matters upfront.
Reviewing an Existing Annuity for a Minor
If you already own an annuity for a child, we can help by:
- Explaining exactly how the contract works today
- Confirming ownership, control, and age-based provisions
- Identifying what changes—if any—are still possible
- Helping you avoid decisions based on incorrect assumptions
Many parents only discover restrictions when it’s too late to change them.
Speak With a Licensed Annuity Broker Before You Decide
Whether you’re buying or reviewing an annuity for a child, the right step is clarity before action.
Contact The Annuity Expert to speak with a licensed annuity broker and get clear answers before making a final decision.
No pressure. No hype. Just accurate, authorized guidance.
Call us now at 770-755-1565 or schedule a free consultation below
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.