Annuity Refinance
Up to 30% (or More) Income
Not a Penny of New Money
Zero Out of Pocket Cost
No Tax Impact
Here’s How It Works
Refinancing your Annuity is similar to refinancing a Mortgage, but it is different. When interest rates go down, you refinance your mortgage. This saves you money. When interest rates go UP annuity income rates usually go up too. When this happens you may exchange your current annuity for an annuity that pays higher income—and right now we’ve seen an enormous hike in interest rates. To no expert’s surprise, Annuity Income Rates are at an ALL-TIME HIGH.
Don’t Forget
Even if you don’t have an annuity yet, you can still benefit from this. This is one of the best times in modern history to get an annuity. Many people are adding on additional annuities as well as refinancing their older ones.
What’s up With Interest Rates
Our economy is in an uneasy place. With wars, elections, and shaky markets hitting us almost daily, the word recession is being thrown around a lot. In an attempt to slow down inflation, the Federal Reserve has pushed up interest rates progressively over the past two years to what may now be seen as a peak. As a result, we’re seeing interest rates higher than they’ve been in the last 25 years.Important
The Federal Reserve is very likely to reduce and normalize interest rates soon due to political and economic pressure. This will likely lead to annuity rates lowering.
How You Can Benefit
If your annuity meets certain requirements then you can benefit from these high interest rates. High interest rates can have a very negative impact on the economy and especially the real estate market, but they can actually have the opposite effect on annuities—which is what’s happening RIGHT NOW.Annuity Owners
Currently the Highest annuity income rates in two decades. If you’ve owned an annuity for at least three years, you may qualify to upgrade and refinance to an even better annuity—improving your income by up to 30% or more for life.
Even More Income—For Life
Some of our clients at IQ Wealth® Management are now locking in these exceptional rates, giving them an extra $10,000 to $20,000 per year in income or more depending on the size of the annuity. Doing the math, it could mean an extra $100,000 to $300,000 or more in your pocket during your lifetime. That is no exaggeration and can be proven in black and white. Think about it, an extra vacation trip every year, more golf, more fun times with the grandkids, or even just the security of more cash on hand and money in the bank every year from now on, no matter what.Important
While the qualification minimum is 3 years, don’t be discouraged if you have owned your annuity much longer. In many cases, older annuities benefit even more from this. Age also affects this as well. Some of our older clients have been able to see very large income increases.
Past performance of any asset or index should never be relied upon to predict future results. No specific product or company being promoted. Guarantees rely on the financial strength of the issuing insurer. Not FDIC insured, not a bank deposit.
The First Steps
Request a call or meeting using the form on this page.
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Accredited Investment Fiduciary (AIF®), Steve Jurich with IQ Wealth® Management in Scottsdale helps his clients compare up to 1,200 annuities with no sales pressure.
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Accredited Investment Fiduciary® & Certified Annuity Specialist®Case Studies
IQ Annuity Refinance
Time Sensitive—Rates Falling Soon
Client
Initial Annuity Amount
Current Yearly Income
Refinanced Yearly Income
Tom T.
Age 69
Age 69
$149,733
$13,684
$17,985
Jerry S.
Age 62
Age 62
$379,112
$30,328
$36,987
Alicia B.
Age 64
Age 64
$352,418
$22,907
$30,059
Jim U.
Age 57
Age 57
$512,474
$36,385
$51,168
Kim E.
Age 60
Age 60
$741,672
$49,432
$60,850
John K.
Age 71
Age 71
$1,000,000
$71,243
$83,521
Mary S.
Age 72
Age 72
$1,250,000
$78,996
$100,625
Please note: These examples and your potential for increase is time sensitive. If rates come down in the general economy, rates will very likely come back down for annuities. Rates and terms can only be locked in and guaranteed upon date of application.
FAQs
Why is this "Time Sensitive"?
Currently, interest rates are at record highs—pushing annuity income rates to record high’s, while it lasts. It’s very likely that interest rates will go down soon as stated by the Federal Reserve—and—this is an election year. Let’s face it—the incumbent administration always wants to see rates come down. With a carefully chosen annuity (there are 1200+ to choose from), you may lock in these higher rates, for life.
How much will this cost me?
There is no cost to you. Meeting with a licensed IQ Wealth® advisor won’t cost you a penny. An easy first step is to request a free 15 minute phone call. You can get the basic facts and set your mind at ease. We can make sure its right for you. If you qualify and a beneficial income upgrade is available, you can move forward with ZERO out-of-pocket cost.
Is it worth it?
Our clients are seeing income increases up to 30% with zero out-of-pocket costs. What would an extra $10,000 to $20,000 per year in retirement income do for you? An extra vacation? More money to spend on the grandkids? More golf? Or even just the security of having more money in the bank at all times.
How does it work?
We calculate your current income benefit from your current annuity, and determine its “trade-in value.” If an upgrade is available, you exchange your current annuity for the new one that will give you more income. This is only done if it will be beneficial to you. Our fiduciary approach means that we will only recommend things in our client’s best interests. If there is no available upgrade, no harm done, you’re all set and nothing changes.
Is this too good to be true?
A totally valid question to ask! It can be hard to believe that something can have only upside with no downside. The downside is that you may have a surrender charge on your current annuity. The upside: many annuities today are offering bonuses of 10% to 30% to offset those surrender charges. An exchange is only recommended if you come out substantially ahead. Please note: Higher bonuses are also time sensitive. Those higher bonuses may get trimmed down when interest rates fall again. Higher rates have been bad for real estate, but very good for annuities. For people who have owned their annuity for 3 or more years, it’s likely that you may benefit. Regardless, it’s worth a few minutes of your time to check with no risk, no cost, and no sales pressure.
If I wait, will this get better?
Only a small chance of that, in fact very unlikely. These high rates happened because the Fed took on inflation “too late.” The overwhelming consensus is that rates will begin to fall before rising again. Historically, in the months approaching a presidential election, the federal reserve may be influenced to reduce interest rates, allowing more people to buy homes at lower rates. This has been fairly common practice throughout history. With potential income increases of 10% to 30% (or more), there may never be a better time to lock in more income for life.
How risky is it for me to do this?
Certainly, there is zero risk to learn more. Looking into this opportunity is free. Our firm has built its reputation around being informative and helpful with no hard sell. You experience world class resources, with local hometown service. We’re a family business. If an upgrade exists for you, we’ll find it --with ZERO out-of-pocket cost to you, and no risk.
Why must I have owned my annuity for at least three years?
Typically, insurance companies do not accept an exchange unless you have owned it for three or more years. There are some exceptions, but three years and older is the norm. If your annuity is less than three years old, by all means contact us to see if you would qualify for an exception.
I've owned my annuity for 10+ years, will this still work?
Absolutely. The longer you’ve owned your annuity the lower your surrender charge. In fact you may be completely “out of surrender”. If so, you may have even more options available. It is simply a business decision to see how you may put more money in your pocket permanently.
Where are you located?
Our office is conveniently located in Scottsdale, AZ:
(Please Note: We work by appointment only)
8777 N Gainey Center Drive
Suite 200
Scottsdale, AZ 85258
What are your qualifications?
Accredited Investment Fiduciary (AIF®), Certified Annuity Specialist (CAS®), Certified Income Specialist (CIS™), Investment Manager. Our firm is an A+ ranked Accredited Member of the Better Business Bureau, licensed in securities and insurance.
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AIF®, CAS®, Investment Manager
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