Annuity Rescue Plan

Annuity Rescue Plan: Take Back Control of Your Retirement Strategy

If your current annuity isn’t meeting your expectations, it may be time for a fresh approach. Our Annuity Rescue Plan is designed to help you regain control of your financial future by replacing or restructuring underperforming contracts.

Whether you’re frustrated by low returns, high fees, outdated terms, or lack of flexibility, we’ll evaluate your existing annuity and explore better options that align with your retirement goals. In many cases, we can help you access higher interest rates, improved income features, and more transparent terms—without sacrificing your security.

Are You Stuck with an Underperforming Index Annuity?

If your current index annuity isn’t living up to expectations, you’re not alone. Many annuity holders feel frustrated by poor renewal rates, limited index choices, high fees, or misleading promises that didn’t translate into real performance. Whether your annuity was positioned as a growth vehicle, income solution, or a safe alternative to market risk, it may now feel more like a financial trap than a retirement asset.

At Diversified Insurance Brokers, we understand the disappointment—and we’re here to help. Our Annuity Rescue Plan is designed to help you break free from underperforming contracts and transition into higher-yielding, more flexible solutions that better align with your goals. There are no fees, no obligations, and no pressure—just clear guidance and real options from experts who put your interests first.

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How Our Annuity Rescue Plan Can Help

Comprehensive Review

Our first step is a thorough, no-obligation review of your current annuity contract. We’ll identify exactly where it may be underperforming—whether it’s low renewal rates, high internal fees, poor index choices, limited growth, or unfavorable withdrawal terms. Our goal is to give you a clear picture of how your annuity is really working and whether better options are available to improve your retirement income and long-term value.

Compare Better Options

After reviewing your current annuity, we’ll help you explore higher-performing alternatives from our network of 75+ top-rated insurance carriers and access to over 1,000 annuity products. We’ll look for solutions that offer stronger growth potential, lower or no fees, better renewal rates, improved index options, and more flexible income features. You’ll receive clear, unbiased recommendations tailored to your goals—so you can make an informed decision with confidence, not pressure.

No Fees. No Pressure. No Obligations.

At Diversified Quotes, we believe in providing guidance—not sales pressure. Unlike some advisors who charge consultation fees or earn commissions for pushing specific products, we offer our Annuity Rescue Plan at no cost to you. There are no fees, no hidden charges, and no obligation to make any changes unless you’re completely confident in the solution.

Our only goal is to help you understand your current annuity and, if it makes sense, explore better-performing alternatives that protect your retirement income.

Objective, Unbiased Recommendations

As an independent service, we’re not tied to any single insurance company—which means our guidance is always based on what’s best for you, not what we’re incentivized to sell. We evaluate your annuity options with a client-first mindset, focusing on performance, flexibility, and long-term value. Our only priority is helping you make the smartest decision for your financial future.

Common Problems with Index Annuities

Fixed Indexed Annuities (FIAs) are designed to offer the best of both worlds—market-linked growth without the risk of market losses. They allow your money to grow based on the performance of a stock market index (like the S&P 500), while protecting your principal from downside risk. You capture gains during positive years, lock them in annually, and avoid losses when the market declines.

While this sounds ideal on paper, the reality is that many FIAs fall short due to low caps, complex index formulas, poor renewal rates, or excessive fees. Below are some of the most common issues that leave investors frustrated and looking for a better solution.

Bad Renewal Rates

Many index annuities start with attractive caps or participation rates to entice buyers—but these rates often apply only during the first year. After the initial term, insurance companies can significantly lower the renewal rates, reducing your potential for future growth. Unfortunately, many policyholders aren’t aware of this until it’s too late, leaving them locked into a long-term contract with diminished earning potential and limited flexibility.

Limited Index Options

Not all index annuities offer the same growth potential—and the index your contract is tied to makes a big difference. Some annuities limit you to proprietary or lesser-known indexes with low historical performance or complex crediting formulas that make real growth hard to achieve. If your annuity is tied to an underperforming index—or one with restrictive caps or spreads—you may not see the returns you were expecting, even when the broader market is performing well.

High Fees

While many fixed indexed annuities have no annual fees, some contracts include rider charges, administrative fees, or hidden costs that quietly reduce your returns over time. These fees can erode your earnings, especially in years with modest index performance. If you’re not seeing the growth you expected, fees may be a major reason why—leaving you with less income, less value, and more frustration than you anticipated.

Misleading Sales Pitches

Unfortunately, not all annuities are sold with your best interests in mind. Some agents focus more on closing the sale than on making sure the product truly fits your needs. This can leave you with an annuity that was poorly explained, overhyped, or misaligned with your financial goals. You may have been promised market-like returns or flexibility that never materialized—only to realize too late that the fine print tells a different story.

Is It Time to Reconsider Your Annuity?

Don't Need the Money for Income?

If generating income isn’t your primary goal, it may be wise to move your funds into an annuity without an income rider. This can eliminate unnecessary fees and allow your money to grow more efficiently over time. When selecting a replacement annuity, look for options that offer a premium bonus, which can help offset any surrender charges from the previous contract.

To make up for lost growth, consider annuities with strong fixed or indexed strategies that offer competitive interest potential—without exposing you to market risk. Focus on products with low or no fees, transparent terms, and solid guarantees to ensure your new annuity aligns with your overall financial goals and risk tolerance.
Are You Stuck with Historically Low Rates?

If your annuity is locked into a low interest rate, you’re not alone—and you’re not stuck. Rolling those funds into a modern annuity with more competitive growth potential can help get your savings back on track. Today’s annuity products often offer fixed indexed strategies or market-linked options that allow for greater upside, while still protecting your principal from losses.

Look for contracts that offer a premium bonus to help offset any surrender charges and give your account a strong starting boost. By upgrading to a product with higher earning potential, fewer restrictions, and more flexibility, you can realign your annuity with your financial goals. Just be sure to evaluate fees, guarantees, and terms carefully to ensure the new annuity fits your long-term needs.
Don't Have Adequate Funds for Long-Term Care

If you’re concerned about covering future long-term care (LTC) expenses, your existing annuity may be a valuable resource. By rolling your current annuity into a product with a long-term care rider, you can gain enhanced benefits specifically for qualified care—often multiplying your contract value for LTC purposes. This strategy not only increases your care coverage but also allows you to take advantage of important tax benefits.

For non-qualified annuities, the IRS—under the Pension Protection Act (PPA)—allows tax-free withdrawals when funds are used to pay for long-term care expenses or LTC rider premiums. Even if your annuity has accumulated taxable gains, these withdrawals are exempt from income tax when applied to qualified care costs, helping you preserve more of your retirement assets.

You may also consider a 1035 exchange into a hybrid annuity with built-in LTC benefits. These products offer both growth potential and robust long-term care protection, combining financial efficiency with peace of mind. By reallocating your annuity strategically, you can better prepare for future care needs without adding financial stress to your retirement plan.
Are Building A “Tax Time Bomb” For Your Heirs?

If you’ve accumulated significant gains in a traditional annuity, you could unintentionally leave your heirs with a major tax burden. Upon your passing, the untaxed growth in your annuity is treated as ordinary income to your beneficiaries, potentially pushing them into a higher tax bracket and creating a “tax time bomb” that diminishes the legacy you intended to leave.

To avoid this, consider transitioning to an annuity with an enhanced death benefit. These products can increase the amount passed to your heirs—sometimes above the contract’s current value—while offering better control over how and when the benefit is paid.

For even greater tax efficiency, look for annuities that allow structured death benefit payouts over a set number of years. This strategy helps spread the tax liability, reduces the risk of large lump-sum taxation, and aligns with broader estate planning goals. With proper planning, your annuity can become a powerful legacy tool, not a financial burden for your loved ones.

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Annuity Rescue Plan