Our Mission

We simplify the way annuities are bought and sold, so people can live a happy and financially secure retirement.

Your retirement happiness matters to us.
Everyone has a different path to their retirement happiness, and we're here to help you find yours. We believe in the power of technology and ethics to help people make smart choices with annuities. We investigate annuities so you don’t have to.

The status quo is broken.
It’s time to ditch the old way annuities are bought and sold. It is opaque and confusing. Fees are not transparent and some of them are simply outrageous in size. Commissions incentivize annuity product sales, leaving the client’s needs as an afterthought. The system is setup to benefit the insiders — not you. We set out to change that.

Our Goal

We believe the way people buy annuities should be radically improved for all Americans. Researching and buying an annuity should be simple, transparent, and enjoyable. Annuity Gator’s mission is to make that happen.

There are 78 million baby boomers heading into retirement. This is a time when people need guaranteed lifetime income more than ever, and they don’t have it, which is why many people are turning to annuities now more than ever before.

$200 billion of annuities are sold every year, and as more baby boomers are preparing for and entering retirement, annuity sales are projected to steadily increase. Yet the traditional way of buying annuities operates in the same way it has for decades — through opaque processes and complicated terms that many consumers find confusing.

Because annuities pay higher commissions than most other financial products, and because they have been designed and marketed to address investor fears of losing money, they have been sold in droves the past 10 years. While there are plenty of proper annuity placements, there have been many very unsuitable ones as well.

That’s why Annuity Gator is reimagining the way annuities are bought and sold. We’re using technology to make it easier, more transparent, and low cost. Our team of licensed annuity professionals work hard to help make it friendly and enjoyable.

Our bold vision is far too long coming and we hope the thousands of people we help each year will create a sea of change in the way people just like you, get access to honest guidance, low cost, and high quality annuity options.

We hope that you’ll join us in this journey.

Our Promise

We promise to be honest with you. It's simple and may even sound mundane. But in an industry overrun with confusing jargon, fancy brochures and commissioned salespeople, we’re here to deliver it to you straight.

We Promise to be Transparent

You deserve to know how much you should expect in income and benefits from the annuity you’re buying. We promise to be transparent about the annuities that we recommend and any of the fees and commissions hidden in the contract. We promise to show you the best deal, not just the annuity with the highest commission.

We promise to choose wisely

We will never claim to offer every single type of annuity that’s out there; others can be jack of all trades to everyone. Starting with a focused selection of the top annuities affords us the ability to be deliberate with respect to security and the highest income or secure growth potential. It allows us to ensure all of the annuities we offer are properly reviewed and verified.

We promise to give honest guidance

Honesty is the foundation of our recommendations. Our licensed annuity professionals are independent and not captive or beholden to any one particular insurance company. We don't pretend that annuities can be all things to all people - because that isn't the truth. Our technology and ethics drive our annuity recommendations, not our bottom line.

We will never allow any company to influence our annuity recommendations

We work for you, and we take that responsibility seriously. No company incentives or compensation can change our principles.

Still have questions? Ask us anything.

Feel free to send us a message at [email protected].

Our Team

Our diverse team is comprised of technology gurus, licensed annuity specialists, retirement income planners, and data geeks. All of us work closely together with one goal in mind: to simplify the way people buy annuities. Our team closely monitors the ever-changing rates, terms and benefits of annuities to stay on top of the latest research findings.

Terry Heys

President and CEO
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Jessica Brown

Operations Manager
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Francisco Durazo

Director of Technology
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Cynthia Gonzalez

Client Happiness Manager
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Our Featured Advisors

Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in
delivering sound retirement planning strategies and unbiased annuity recommendations. Our licensed annuity professionals are independent and are not captive or beholden to any particular insurance company.

Mike Kalisch, CFP

Licensed Annuity Advisor
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Andrew Watson, IAR

Licensed Annuity Advisor 
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Warren Elkin

Licensed Annuity Advisor
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Terry J. Ciotti, RFC

Licensed Annuity Advisor
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james ault

James K. Ault

Licensed Annuity Advisor
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Jason Soloman

Licensed Annuity Advisor
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You’re in Control

At Annuity Gator, our goal is to put you in total control of the annuity sales process. What does this mean? You can call us and ask us any question. You are able to chat with us over the phone and use your computer to review your annuity options.

All of our meetings are conducted over the phone and virtually, which means you can be wherever you want, like the comfort of your couch and not a financial advisor’s office. And you can research and buy your annuity as fast, or as slow, as you want.

At Annuity Gator, we believe that you shouldn't have to spend time in a financial advisor’s office. To do that, we have built a process that enables you to quickly and easily research and review personalized annuity recommendations right on your computer in the comfort of your own home.

We understand that buying an annuity is an important life decision.

How It Works

Find out everything you ever (or never) wanted to know about annuities. Unbiased advice, without the jargon.

Compare annuity quotes side by side to find the best option - and save money doing it.

We offer our annuity guidance and recommendations through what we call a Web Demo. We help take the mystery out of annuities by answering some of the most commonly asked questions in a simple, personalized way. With our technology we’ll help you understand how to reach your retirement goals.

During your private Web Demo, we'll show you how you may reach your goals, protect your assets, and do so in the lowest risk, lowest cost manner possible. Our Web Demos are conducted one-on-one using a private desktop sharing program so we can share screens and files if we need to.

Our Process

Annuity Gator gives you an annuity selection process that’s actually easy and intuitive. First, we make it effortless to find out if an annuity is right for you. Then, we make finding your annuity matches a snap. Our technology will offer customized and unbiased annuity recommendations based on your personal goals.

Our process may be sophisticated, but our philosophy is simple.

Technology can do some things better than humans. We use software to better evaluate and provide unbiased annuity recommendations.

Finding the right annuity is easier than you think - if you have the right process.

Annuities are NOT for everybody. Annuities can be complex, confusing, and very costly when used incorrectly. But when used properly, annuities may provide guaranteed benefits that can help people secure their dream retirement lifestyle.

We get it, researching and trying to find the best annuity can be challenging. Which is why our technology-driven approach can help simplify the annuity selection process, making it easier for you to make a confident and informed decision.

Success Stories