Annuities are intricate financial products with various types (variable, fixed, indexed), features, fees, and restrictions. Most consumers lack the expertise to navigate these nuances on their own. Distributors play a crucial role in explaining these products and ensuring they are suitable for the client's specific financial situation and retirement goals.
Insurance companies treat agents like a firewall — protecting their balance sheet, brand, and compliance record while keeping costs low. That’s also why working with an independent annuity specialist (not a captive agent) usually gets you:
Higher payouts / better rates (we shop around for you)
Lower or zero commissions baked in
Truly unbiased recommendations
Need the highest possible rate or payout with no hidden fees?
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