SILAC Teton 14 MVA — Honest Review (2026)

Written & reviewed by Hans Goldstein, Independent Licensed Insurance Producer · NPN 20602398
Independently reviewed & last updated 2026-06-07

Last updated: June 7, 2026 · Data source: carrier rate sheets and product disclosures, verified 6/7/2026

If your agent quoted you the SILAC Teton 14 MVA, this review answers the obvious question: why is this product positioned beneath SILAC's own Denali 14 (which has a higher 10.25% cap)? And when does Teton actually make sense? Honest review by an independent licensed producer (NPN 20602398) appointed with 20+ A-rated carriers.

Goldstein Scorecard

As of 6/7/2026 · vs. other 14-year non-bonus FIAs

🎯 Best for: the buyer in states where SILAC Denali isn't available or has restricted caps (verified: Denali in California and Indiana caps at 7.75% vs. 10.25% elsewhere — Teton 14 may be more competitive in those states), OR buyers comfortable with SILAC who want a slightly different crediting structure than Denali offers.

⚠️ Look elsewhere if: you're in a state where Denali is available at the full 10.25% cap (just buy Denali), you want A+ carrier strength (Athene/Allianz/North American), or you want a premium bonus.

⏸ Pause — get a second opinion before you sign

Talk to a licensed independent expert. Hans.

Fixed indexed annuities are committed for 7-15 years. Cap rates renew annually and can drop. Income riders have separate benefit bases that aren't cash. Get an independent review before you commit your retirement savings to a multi-year contract.

Drop your info — within 24 hours, you'll get a written independent review of your quote + side-by-side comparisons vs. 2 alternatives.

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📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer

🧮 Goldstein Complexity Index

A core part of every Goldstein review. The more complex an annuity, the worse the rating in this dimension — because complexity is where buyers get burned (confusing riders, fee structures hidden in plain sight, surrender penalties that surprise people, separate "benefit bases" they thought were cash). Simple products (SPIAs, MYGAs) score low; products with stacked bonuses + income riders + MVA + multiple crediting strategies score high.

This product's score: 36/100 — Grade A (Mostly clear)

One or two complications (a rider, a crediting choice). With a 30-min agent walkthrough, most buyers understand it.

Score breakdown

How to read this

• A+/A (0–40): You can understand what you bought. Pure accumulation FIA, MYGA, or SPIA. Low risk of mis-selling.
• B (41–60): You need to read the contract carefully and have a second-opinion review before signing. Income riders add the most confusion.
• C (61–80): Many buyers don't fully understand what they own. Common mis-selling: "bonus" sold as cash, "benefit base" sold as account value, surrender charges undisclosed.
• D (81–100): Demands an independent producer second opinion before signing. The product may still be right for you — but the chance you'll later say "I didn't know it worked that way" is very high.

Why complexity matters more than people think: Carriers don't get sued for complexity. Agents don't get sued for it either (in most states). But buyers regret it constantly. The annuity that wins your money in year one and confuses you for the next 14 is worse than a simpler product that you understood perfectly. Simple ≠ inferior. Simple = audit-able.

Quick verdict

Teton 14 is a competent but largely redundant SILAC product if Denali 14 is available in your state at the 10.25% cap. The honest answer to "why am I being shown Teton instead of Denali?" is usually one of:
1. Denali isn't available in your state (California, Indiana have restricted versions)
2. Different crediting structure — Teton may offer participation-rate options or other features Denali doesn't
3. Inventory / agent preference — your agent may have more familiarity with Teton

In states where Denali's full 10.25% cap IS available, you're almost always better off with Denali for accumulation-focused buyers. In states where it isn't, Teton 14 at 8.25% is genuinely competitive.

Product structure at a glance

Teton vs. Denali — the head-to-head

This is the actual question worth answering:

Conclusion: in states where Denali is available at the full 10.25% cap (most states), Denali wins on cap rate with no offsetting Teton advantage. In states with Denali restrictions (CA, IN), Teton's 8.25% may be more competitive.

For SILAC accumulation buyers, default to Denali. Switch to Teton only when state restrictions, agent preferences, or specific crediting-strategy needs apply.

Crediting strategies

• S&P 500 1-yr annual point-to-point with cap — 8.25% as of 6/7/2026
• S&P 500 with participation rate — typical participation rates, no cap
• Proprietary volatility-controlled indices — higher participation, typically lower long-term returns
• Fixed account — declared rate, verify current

The income rider

Optional GLWB rider for an annual charge. Same as Denali — not the headline feature. For income-primary buyers, Allianz Benefit Control or Nationwide Peak typically offer better payout factors.

Liquidity

• Standard 10% free withdrawal after year 1
• Standard waivers: terminal illness, nursing home, ADL trigger
• MVA on early surrender — same risk as Denali in rising-rate environments

Strengths

• 8.25% cap is competitive (just not as high as Denali's 10.25%)
• Wider state availability than Denali (no restrictions in some states where Denali is restricted)
• Same SILAC carrier strength as Denali — B rated, growing carrier
• Multiple crediting accounts offer flexibility
• No annual contract fee on base product

Weaknesses

• Lower cap than SILAC's own Denali — usually no reason to pick Teton when Denali is available
• B AM Best rating — same trade-off as Denali; matters more for large placements
• Standard waiver suite
• No bonus or distinguishing feature vs. higher-rated competitors

Real-world case studies

Numbers below illustrate product mechanics. I'll pull contract-exact figures from SILAC's illustration software for your specific quote when you book the call.

Case Study 1 — Mary in California, age 62, $200K placement

• Why this matters: Denali in California is the restricted variant at 7.75% cap. Teton 14 at 8.25% cap beats Denali (CA) for CA residents.
• Premium: $200,000
• Crediting: 8.25% cap (Teton 14)
• Assumed avg credited over 14 years: ~5.0% annualized
• End-of-year-14 accumulation: ≈ $396,000
• Vs. California Denali (7.75% cap, ~4.7% avg): ≈ $381K — Teton wins in California

Case Study 2 — Bob in Texas, age 60, $200K placement

• Why this matters: Texas allows Denali at the full 10.25% cap.
• Premium: $200,000
• Crediting choice: Teton 14 (8.25%) vs. Denali 14 (10.25%)
• Hypothetical 14-year outcome: Teton ≈ $396K vs. Denali ≈ $452K
• Recommendation: take Denali, not Teton, if you're in a state where Denali is available at full cap.

Case Study 3 — When neither SILAC product fits

• Bill, age 73: 14-year surrender locks until 87. Recommendation: shorter-surrender product or SPIA.
• Sarah placing $500K+: B rating risk grows with placement size. Recommendation: split across carriers (one A+, the SILAC under guaranty limit), OR go all A+ accepting lower cap.

Why annuity reviews look bad online

NAIC restrictions; only unhappy buyers post. (See hub asymmetric-review meta.)

Real complaints about SILAC Teton — and what's actually true

Complaint 1 — "Why didn't my agent show me Denali at 10.25%?"

What's actually true: Three possible reasons: (1) Denali isn't available in your state at full cap, (2) agent has different appointment / commission structure, (3) agent isn't familiar with the difference. Verdict: legitimate question — ask your agent explicitly why Teton vs. Denali for your specific state and situation.

Complaint 2 — "B-rated carrier — is SILAC safe?"

Same answer as Denali review. What's actually true: B is "Fair" per AM Best. Manageable at moderate placements under state guaranty limits; matters more at $300K+ in single contract. Verdict: legitimate consideration at large dollar amounts; manageable at moderate amounts.

Complaint 3 — "Cap was lowered after year 1"

Universal FIA pattern. Annual reset subject to minimum guaranteed cap. Verdict: not Teton-specific.

🚨 What the brochure doesn't tell you

• In most states, SILAC's Denali 14 offers a higher cap (10.25%) than Teton 14 (8.25%) — ask your agent why Teton vs. Denali for your specific case
• In California and Indiana, Denali caps are restricted (~7.75%) — Teton 14 at 8.25% becomes more competitive in those states
• The 8.25% cap is subject to annual reset with a minimum guaranteed cap typically 1–2%
• B rating matters more at large placements — under state guaranty limits, less so; above, materially
• MVA can compound surrender charges in rising-rate environments
• Gains taxed as ordinary income when withdrawn — not capital gains
• Heirs face IRD on inherited gains — no step-up
• 14-year surrender is long — outlives typical use case for buyers over 70

📩 Get a second opinion — this is a big decision

Talk to a licensed annuity expert. Hans.

If you're being quoted SILAC Teton 14 instead of Denali 14, there's a specific reason. Let me figure out whether it's the right reason. You wouldn't have major surgery without a second opinion. Don't sign an annuity contract without one either.

Drop your info — within 24 hours, written review of your SILAC quote with side-by-side against Denali and 2 alternatives.

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Real-world stories: who fits, who got burned

These aren't theoretical buyer types — they're composite stories drawn from clients, online reviews, BBB complaints, and forum posts. Names are real first names, locations approximate; details preserved.

👍 Good fit — Rodney, 64, Las Vegas NV

Rodney wanted high cap rates AND state guaranty fund protection. He had $300K spread across multiple SILAC products (Teton 14 + Denali 14) intentionally to diversify within carrier. 8.25% cap on Teton is solid; he's three years in, account value is up roughly 17% cumulative. He's clear-eyed about the B rating and knows he's relying on the NV guaranty fund as backstop.

😡 Burned — Joanne, 76, Albuquerque NM

Joanne was sold SILAC Teton at 76 without anyone discussing her son's role as POA or her expected liquidity needs. Within 14 months she had to enter assisted living and her son tried to pull $80K. Surrender charge ate $11K. The product never should have been sold to a 76-year-old; the salesperson had no business model question about suitability.

The pattern: SILAC Teton 14 MVA is a good product for the right buyer (typically a 55-67 buyer with a long horizon, no near-term liquidity needs, and realistic expectations) and a disaster for the wrong buyer (typically an older buyer (73+) with surrender-horizon mismatch or near-term liquidity needs). The product isn't the problem — buyer/product mismatch is.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

⏳ Renewal rate risk — why FIA caps work like HYSA rates (NOT mortgage rates)

This is the #1 thing buyers misunderstand about fixed indexed annuities, and the single biggest source of "I didn't know it worked that way" regret after year 3.

The mortgage-rate mental model is wrong

When you take out a 30-year fixed mortgage at 6.5%, that rate is locked for the entire term. The bank can't raise it. That's how most buyers assume an FIA cap rate works.

It's not. FIA cap rates work like high-yield savings account rates.

When Marcus or Ally raises their HYSA rate from 4.0% to 4.5%, that's their choice — and they can drop it back to 4.0% the next month. The rate you saw when you opened the account is NOT the rate you keep forever. The bank can change it at any time.

FIA cap rates work the same way:

• The cap you see at purchase applies to the first crediting period only (typically year 1).
• At each anniversary, the carrier can reset the cap within the contractual minimum.
• If interest rates fall or the carrier's option budget tightens, your cap can drop dramatically — sometimes from 9% down to 3-4% over a few years.

Why caps change: the option-budget mechanics

Carriers don't print money to pay your index-linked credit. They take your premium, invest most of it in bonds at prevailing interest rates, and use the bond yield to buy S&P 500 call options that generate the index credit.

• Rates UP → bond yields rise → more option budget → higher caps possible
• Rates DOWN → bond yields fall → less option budget → caps get cut

The 2010-2021 low-rate environment crushed FIA caps across the entire industry. The 2022-2025 rate cycle restored them. Whatever cap you see today is a function of TODAY's interest rate environment — and that environment will change.

The minimum cap floor (the only real guarantee)

Every FIA contract has a minimum guaranteed cap stated in the contract. This is the LOWEST the cap can ever go. Common minimum caps:

• Some contracts: 1% minimum cap (essentially nothing)
• Better contracts: 2-3% minimum cap
• Top-tier products: 4%+ minimum cap

Read the minimum cap before signing. If it's 1%, your worst-case scenario is essentially 0% real returns for 10+ years.

How to evaluate a carrier's renewal practices BEFORE buying

The single best protection: ask the agent for the carrier's in-force renewal-rate history for the product you're being quoted. A carrier that's maintained competitive caps on existing contracts over 5+ years is much more trustworthy than one with no history (or worse, a history of cap cuts).

Carriers with the most consistent in-force renewal track records (industry consensus as of 2026): Athene, Allianz, Sammons (North American/Midland), American Equity, and Nationwide. These carriers have published renewal-rate histories that survive scrutiny.

Carriers without published renewal-rate histories OR with a history of cutting caps post-sale should be evaluated carefully — especially if the cap they're showing you today is near the top of the market.

The single most important questions to ask

1. "What's the minimum guaranteed cap in this contract?"
2. "Can you show me this product's in-force renewal-rate history for the last 5 years?"
3. "What's the current cap on in-force contracts purchased in 2020, 2018, and 2015?"
4. "If the cap drops to the minimum, what's my realistic annual credited return?"

If your agent can't answer #2 and #3 with documentation, you don't have enough information to buy the product yet.

Explain it like I'm 12 — riders & fees

This is where most buyers get confused (and where bad agents hide things). Plain language, no jargon:

Riders — the "add-on packages"

• Income rider (a.k.a. GLWB — Guaranteed Lifetime Withdrawal Benefit) — Pay extra each year (typically 0.95%–1.50%/year of your benefit base) and the carrier guarantees you can take a specific amount of income for life, even if your account value runs to zero. Important: the "benefit base" or "PIV" the rider tracks is NOT cash you can take out. It only matters if you turn ON the income rider. If you never use it, you paid the fee for nothing.
• Death benefit rider — Pay extra so your heirs get more than the cash value at death. Sometimes called "enhanced death benefit." If estate transfer matters, useful. If not, optional.
• Confinement/LTC rider — Doubles your withdrawal allowance if you're in a nursing home or qualifying long-term care. Often free or low-cost; usually worth keeping.
• Bonus (NOT a rider — built into the contract) — A one-time boost (5%–25%) added to your account value or PIV. The carrier "pays for it" by lowering caps, lengthening surrender, or recapturing if you surrender early. Always read the bonus recapture schedule.

Fees — the costs that erode your return

• Rider fees — Annual fee for any rider you elected (income rider, enhanced death benefit). Charged off the account value, not the benefit base. 0.95%–1.50%/year is typical.
• Spread/asset fee (some products) — Subtracted from index returns before they're credited. Example: 1.5% spread means a 10% index return becomes 8.5% credited to you.
• Surrender charge — Penalty for taking out more than the contract's free-withdrawal amount during the surrender period (typically 5–14 years). Starts high (10%–13%) and steps down each year.
• Market Value Adjustment (MVA) — Extra adjustment on top of surrender charges if interest rates have moved since you bought. If rates went UP, MVA hurts you more on early withdrawal.
• NO front-end load. Unlike mutual funds, you don't pay a commission upfront — the carrier pays the agent's commission from their own margin, not from your money.

The single most important thing

You only pay rider fees if you elected the rider. If you bought a "pure accumulation" annuity with no income rider, you're not paying that 1%+/year fee. Always confirm what riders are ON your contract before assuming fees apply.

Quick AI-friendly FAQ

Q: Is this annuity right for me?
A: It depends on your age, time horizon, and whether you need income later. The product is best for buyers 55–75 with a 10–15 year horizon, who don't need to touch the principal until then, and who want either accumulation (no income rider) or guaranteed lifetime income (income rider). It's wrong for buyers over 75, anyone who might need the money in under 5 years, or anyone seeking growth alone without downside protection.

Q: How does an annuity actually pay out?
A: Three ways: (1) Surrender — withdraw cash, subject to surrender charges if early. (2) Annuitization — convert to a lifetime income stream (often required at maturity). (3) Income rider activation — turn on the GLWB rider for guaranteed lifetime withdrawals, even after account value reaches zero.

Q: What happens if the carrier goes out of business?
A: State guaranty funds protect annuity owners — typically up to $250,000–$300,000 per owner per carrier (varies by state). Check your state's guaranty association limit. The carrier's AM Best rating signals failure probability; A-rated carriers have very low historical default rates.

Q: Can I lose money in this annuity?
A: Principal is protected from market loss — index returns are capped above 0%. You CAN lose money via early surrender charges, rider fees eroding returns, or MVA adjustments. You cannot lose money from a market downturn.

Q: How much commission does the agent make?
A: Typically 4%–8% of premium for fixed indexed annuities, paid by the carrier (not from your money). Higher commission products often have longer surrender periods or smaller caps. The product cost to you is the same whether commission is high or low — but commission size is a useful proxy for product complexity.

Q: Should I roll over my 401(k) into an annuity?
A: Sometimes yes, often no. Yes if: you want guaranteed income, you're risk-averse, you have other liquid assets for emergencies, and you're 55+. No if: you're under 50, you need liquidity, you have plenty of pension/SS income, or you'd be putting all your retirement assets into one product. Get an independent second opinion before rolling over six figures.

Q: Why are caps so different across products?
A: Trade-offs. Higher cap = lower bonus, longer surrender, lower-rated carrier, or different index strategy. There's no free lunch. A 10%+ cap typically means B-rated carrier + 14-year surrender. A 6% cap typically means A+ carrier + shorter surrender.

Q: How are annuity earnings taxed?
A: Inside the contract, growth is tax-deferred (no tax until you withdraw). Withdrawals are taxed as ordinary income (not capital gains). For non-qualified annuities, only the gain portion is taxable. For qualified (IRA) annuities, the entire withdrawal is taxable. There's a 10% IRS penalty on withdrawals before age 59½.

Explain it like I'm 12 — how an FIA actually works

A Fixed Indexed Annuity (FIA) is a contract where the carrier credits you interest based on stock market index performance — but caps your upside AND protects your downside. You can never lose money from market drops; you also won't get the full upside in big bull years.

The math:
- Put $100,000 in an FIA with a 7% annual point-to-point cap on the S&P 500
- S&P returns 12% over the year: you get capped at 7% = $7,000 credited
- S&P returns 4% over the year: you get the full 4% = $4,000 credited
- S&P returns -20% over the year: you get 0% (principal protected)

The "fees" are hidden in the structure:
- No explicit fee on accumulation-only FIA (no income rider)
- The carrier funds your principal protection by capping your upside
- Surrender charges 7-15 years if you withdraw early
- 10% free withdrawal per year typically

Quick FIA FAQ

Q: Will the cap rate change after I buy?
A: Yes. Cap rates RENEW annually within contract minimums. The 7% cap you see at purchase can drop to 4% over time. Read the minimum guaranteed cap in your contract.

Q: Why is my cap lower than my friend's FIA?
A: Carriers trade cap rate for other features — premium bonus, longer surrender, income rider, brand prestige. Two FIAs with similar "headlines" can have very different actual structures.

Q: What is the "minimum guaranteed cap"?
A: The lowest the carrier can set the cap on your contract. Common minimums: 1-4%. If the minimum is 1%, your worst-case credited return is essentially 0% real after inflation.

Q: How are FIA gains taxed?
A: Tax-deferred during accumulation. At withdrawal: gains taxable as ordinary income. 10% IRS penalty on gain portion if withdrawn before 59½.

Q: Can I lose money?
A: Not from market drops (principal-protected). You CAN lose money from early surrender (penalty) or MVA adjustments. Stay to surrender period end = no loss possible.

Q: How long is the surrender period?
A: Varies — 7 years (Athene PEC 7 Plus), 10 years (most), 14-15 years (bonus products). Longer surrender typically buys you better caps or higher bonus.

Q: What's the difference between cap, participation rate, and spread?
A: Cap = maximum credited. Participation rate = % of index move credited. Spread = % subtracted from index move. Some products combine multiple. See How Annuity Crediting Actually Works.

Q: Should I add an income rider?
A: Only if you'll activate it for guaranteed lifetime income. Rider fee (0.85-1.50%/year) charged annually whether you use it or not. Many buyers pay rider fees for years and never activate.

Plain English glossary

(See full FIA glossary.)

Who it actually fits

• Buyer in California or Indiana where Denali is restricted — Teton 14 may be more competitive
• Buyer with specific crediting-strategy needs that Teton serves better than Denali
• SILAC-comfortable buyer under state guaranty limits ($250K typical)
• True 14-year hold horizon

Who should look elsewhere

• In any state where Denali is available at 10.25% cap → just buy Denali instead
• Want A+ carrier → Athene PEC 15, North American Charter Plus 14, Allianz Accumulation Advantage
• Want a bonus → Charter Plus 14 (19%), Smart Start (20%), MarketPower (15%), WealthChoice 10 (10% + ROP)
• Need income product → Allianz Benefit Control, Nationwide Peak
• Over 72 → consider shorter-surrender products

How to pressure-test what your agent told you

1. "Why am I being shown Teton 14 and not Denali 14?" (the most important question for any SILAC quote)
2. "What's the Denali 14 cap in MY state? What's Teton 14's cap in MY state?"
3. "What's the minimum guaranteed cap over the 14-year surrender?"
4. "What's my state's guaranty fund limit, and is my premium under or over it?"
5. "If Denali is restricted in my state, are there other A-rated carriers with similar caps I should compare?"

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed annuity expert. Hans.

Teton 14 is the right SILAC product for some buyers and the wrong one for others. The difference depends on your state, your premium amount, and your alternatives. Let me run the side-by-side.

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, appointed with 20+ A-rated carriers

By submitting, you agree to receive calls and texts from Hans Goldstein. Msg/data rates apply. Reply STOP to opt out. Privacy Policy.

📩 Get a second opinion before you sign — this is a big decision

Talk to a licensed independent expert. Hans.

Fixed indexed annuities are committed for 7-15 years. Cap rates renew annually and can drop. Income riders have separate benefit bases that aren't cash. Get an independent review before you commit your retirement savings to a multi-year contract.

Drop your info — within 24 hours, you'll get a written independent review of your quote, side-by-side comparisons vs. 2 alternatives, and a no-pressure 15-minute call if you want one.

First name

Phone (optional)

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Which annuity were you quoted?

Quote amount ($)

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📞 Get my free second-opinion review

📞 Hans Goldstein · 213-414-2808 · NPN 20602398, independent licensed insurance producer appointed with multiple A-rated carriers

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Disclosure

This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.