Paste the promise. See what the paperwork must prove.
Decode common annuity sales claims without handing over your email or phone number. The answer comes from reviewed rules and primary evidence—not a salesperson and not an improvised AI response.
Cost claim
“There are no fees.”
“No fee” can describe one charge while leaving surrender terms, optional rider charges, strategy charges, spreads, or economic tradeoffs unanswered.
DecodeRate claim
“You’re guaranteed 8%.”
The crucial question is what receives the 8%: cash value, a fixed account, or a separate benefit base used in an income formula.
DecodeBonus claim
“You get a 10% bonus.”
A bonus can be real and still have vesting, recapture, surrender, fee, crediting, or benefit-base conditions that determine its value.
DecodeProtection claim
“Market upside without market downside.”
Index-linked interest is not the same as owning the index. Product type, crediting limits, withdrawals, surrender provisions, and insurer guarantees determine the actual tradeoff.
DecodeTax claim
“This creates tax-free income.”
Tax-deferred growth, tax-free return of basis, a tax-free exchange, and tax-free income are different claims with different requirements.
DecodeEducational information only—not individualized investment, insurance, legal, or tax advice. A claim can be accurate for one contract and misleading for another. Review the issued contract and consult appropriately licensed professionals for your circumstances.