What happens when you order a review.
No sales pitch. No discovery call. A written, independent analysis of the annuity you already own — delivered within 48 business hours of intake confirmation.
Redeem your coupon
Use the coupon code or link your advisor provided. The coupon identifies your firm so the appraisal can be delivered to both you and your advisor.
We confirm we can review your contract
A licensed advisor at Pinnacle Advisors reviews your intake within one business day and confirms suitability. At that point we ask you for a copy of the most recent statement and begin the appraisal at no cost to you.
We pull the institutional data
Your contract is matched against Morningstar Annuity Intelligence — the same database used by RIAs and institutional investors. We pull current fees, ratings, surrender schedule, rider terms, and the full peer comparison.
A licensed advisor reviews and signs
An advisor at Pinnacle Advisors (Series 65 + state insurance licensure) reviews the data, models scenarios specific to your contract age and surrender phase, and writes a plain-English recommendation. Their name and license appear on the report.
You get the report
Delivered within 48 business hours of confirmation. It includes the data, the analysis, the recommendation, and the reasoning. No follow-up email asking whether you would like to discuss options.
You decide
If the recommendation is hold, you do nothing. If it is exit, we can refer you to a fee-only fiduciary to execute — but we do not earn anything that depends on you buying a new product. Our work ends when the report is delivered.