If you currently own an annuity, chances are when you initially made your purchase, the insurance company included a 'surrender period' in your contract.

A surrender period usually lasts 1-15 years and is generally the number of years you must remain in the contract until you are free to move without triggering charges or 'exit' fees.  Terms will vary, so check your policy.

The best time to begin evaluating whether or not you should stay with your existing annuity company is approximately 30-45 days PRIOR to the expiration of your actual surrender period. 

This time will provide you ample opportunity to shop and compare.  AND, if appropriate and suitable, provides you enough time to prepare the proper paperwork for a possible upgrade or 1035 tax free exchange to another annuity plan.

Moving your existing annuity, in some cases, may or may not be appropriate.   Check with your tax advisor.

To aid you in this evaluation process, Fielder Financial Management, Ltd. offers a complimentary Annuity Alarm Service.

This service will electronically remind you that it's time to review your existing annuity plan when the surrender period is near expiration.

This special service is available to everyone - EVEN if you are not an FFM customer!

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