Annuities can be powerful tools for guaranteed income, but they’re also full of complexity, hidden fees, and suboptimal terms. At Retire Lab, we provide independent, no-bias annuity reviews designed to help you understand exactly what you own — and what you should own. No hidden sales pressure, just clarity.
Make Your Money Work Smarter — Not Harder
What We Review
Fixed & Index Annuities:
Guaranteed growth vs market participation
Fee Structures:
Mortality & expense, administrative, underlying fund fees
Liquidity & Surrender Terms:
Penalties, access, and flexibility
Riders & Guarantees:
Income riders, death benefit riders, waiver riders
Income Projections & Payout Options:
Lifetime income, period certain, joint options
Why You Need an Independent Annuity Review
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Eliminate Conflicts of Interest — We don’t sell annuities. We analyze them for you.
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Spot Overlooked Costs — Many agents gloss over rider costs or hidden charges.
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Maximize Guarantees — Ensure you get the best benefit options for your goals.
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Align With Your Pension & Insurance — Your annuity should complement, not compete with, your retirement plan.
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Get a Written Action Plan — You walk away with clear, actionable recommendations (within 24 hours).
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Teachers & Educators considering or holding annuities
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Retirees looking for stable income options
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Anyone with existing annuities wanting a second opinion
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Public employees seeking to blend pension + annuity income
Who Should Use This Service
Our Process — Simple, Transparent, Effective
Book Your 45-Minute Call
Submit Annuity Documents & Rider Pages
