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An annuity is an investment vehicle where you give an insurance company an agreed-upon amount of money, and, in return, the insurance company pays you a specified interest rate or guaranteed*** income amount for a selected period of time.
In short, an annuity is a product that can be structured to act as something like your own “Individual Pension”. It helps provide a regular and protected stream of income that you want in retirement.
When you own an annuity, you don’t have to watch the markets go up and down and hope you will have enough money in the future. With annuities, you have more control over your money, and you have the guarantees*** under the annuity contract.
Annuities are NOT for everyone. Annuities can be complex, confusing, and very expensive when used incorrectly. But when used properly, annuities may provide guaranteed benefits that can help people secure their dream retirement lifestyle. If you want to be sure you are properly using annuities to secure your retirement, you definitely want to book your Annuity Evaluation phone call now.
The main qualifications are that you should be between the ages of 50 to 75 with $100,000 or more in your retirement portfolio and willing to take action to secure your retirement.
An Annuity Evaluation is a 30-minute confidential phone conversation with one of our Licensed Annuity Investigators that will show you how to reach your retirement goals, protect your assets – and do so with the lowest cost and least amount of risk.
We’ll answer any questions that you may have, and you won’t be pressured to buy anything. Everything is done 100% over the phone. No one will be coming to your house and you will not be required to drive to a financial advisor’s office.
Nope, that’s the worst! We don’t like to be pressured to buy anything, and neither should you. We help you identify the top annuities that are best for you based on your age, and several other factors.
Many of the folks that we have helped, end up becoming happy clients; however, you are under no obligation to work with us — and you will not be pressured to buy anything. The choice is entirely up to you.
Our simple process can help you ensure a comfortable and financially secure retirement. If we can add value to you and put more money in your pocket, you may decide to purchase an annuity through us. The insurance company that offers the annuity that you select will then compensate us for helping you find the right annuity.
Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity recommendations; we are not beholden to any particular insurance company.
Absolutely! We want to make sure you are getting the highest guarantees. Oftentimes, many of the folks reach out to us because they are being sold an annuity by a financial salesperson and are seeking a second opinion.
If you have one particular annuity to review that is totally fine; if not, we will use our software to identify the top annuities and share with you the top options that you may want to consider.
Many of the people we help have been working with a financial advisor for many years that want a second opinion regarding their retirement and income plan.
If your cardiologist told you that you needed open heart surgery, it would be smart to get a second opinion from another heart specialist before you go under the knife.
Since we’re talking about your retirement finances, it’s a prudent measure to get an objective, independent second opinion.
Annuity Annual Performance
Barbara Halperin has been Exceptional revealing with my account.
Jeff was very knowledgeable and helpful
Jeff was knowledgeable, helpful and above all, a good listener. He took the time to understand what I am/was trying to accomplish and after our initial discussion, he came back to me with a plan that provided the solution I was looking for.
Jason Seibert of Annuity Gator annuities provision
The following is an evaluation of my experience with Jason Seibert of Annuity Gator Involving the acquisition of an annuity. My assessment of the services provided by Mr. Seibert is that they were exceptional in all aspects. He was extremely knowledgeable and absolutely professional. Additionally, it was obvious from our initial conversation that his genuine motivation was the provision of appropriate options tailored to the specifics of my rather complicated circumstance. Most impressively, Mr. Seibert did not focus on selling me. He spent the vast majority of our time listening . After careful evaluation he provided several choices tailored specifically to satisfy my requirements. In closing I can say that with Mr. Seibert s assistance I am absolutely confident that I made the right choices.
Honest friendly advice
Very knowledgeable. Good professional advice.
Very informative
Very informative
Very helpful full of information
Very helpful full of information
Doug Bentle was very informative and
Doug Bentle was very informative and helpful in educating me on different annuities and proposed few products for me to consider investing for retirement.
I was delighted and very comfortable
I was delighted and very comfortable working with Barbara Halperin of Annuity Gator. I had no idea there were so many different annuities. Her years of experience and her knowledge were most helpful in explaining the difference between an annuity and what would be a tremendous lifelong annuity for me. I will be forever grateful to Barbara and Annuity Gator. Great people build great companies. Thanks, Barbara!
Very knowledgeable on products
Very knowledgeable on products available.
Five stars to Matthew Taub
Of the past fifty-three years in working with brokers and sales reps, Matt was the most patience and thorough in helping me invest my little nest egg. No pressure and he listens to my concerns. Highly recommend!
James went the extra mile to ensure
James went the extra mile to ensure that our needs were satisfied.
I got in touch with Terry at Annuity
I got in touch with Terry at Annuity Gator, was very pleased with his knowledge of annuity I’ve had one for years with another company. Needed someone’s honest opinion about rolling it over into another . Terry took his time and went over it with me. He told me to keep what I had, not to change a thing. How many sale people would tell you that, most are out for a % for what they sell.If you need help with an annuity, please get in touch with Terry, he’s honest and trustworthy.
Great products
Great products
Great follow up.
Great follow up.
Immediate response from an extremely
Immediate response from an extremely knowledgeable and professional financial consultant.
Responded promptly with honest answers.
Responded promptly with honest answers.
I needed an independent review and
I needed an independent review and explanation of an annuity product I was in the process of purchasing. After Chris took my personal situation into account and gave me a clearer understanding of how the annuity would affect my personal situation. I now have a better understanding and more knowledge to give me the confidence in making the best decision for me. Chris Knight answered all my questions and addressed my concerns with no sales pitch or pressure. What a refreshing experience. I recommend anyone who is not sure or does not fully understands annuities, Annuity Gator can give some piece of mind in making some life changing decisions.
Rectified $40,000 mistake
Terry Ciotti was amazingly helpful and saved me from making a $40,000 mistake. He helped make direct contact with the annuity provider and guided me through the process of rectifying my mistake. I cannot recommend Terry and Annuity Gator more highly.
Jason was super patient and took the
Jason was super patient and took the time to explain our various options, based on our particular situation. Would highly recommend him!
Consolation
Very friendly and informative
Hi Casey
Hi, it was nice to talk business with Casey, he was able to explain about annuities and was clear about the various options that we have as we prepare for our future as retired folks. We hope that we can work with Casey going forward and develop a nice balanced plan. Thank you
Sean was outstanding..His personality
Sean was outstanding..His personality and patients in answer my questions was first rate..I would recommend him to anyone.
Annuity Gator is awesome!
Scott Plamondon has been a dream to work with. He explains everything in super easy terms. I am not very savvy when it comes to insurance, retirement plans, stock market, etc but realized at age 60 that I needed to hone my skills because no one else is going to do that for me. Scott has shown me step by step how to protect my little nest egg from rising taxes and make sure I have a tax free stream of income in my retirement.
Very informative. No pressure.
Very informative. No pressure. Mr Ault used your comparison tool to show us real performance numbers so we could pick best combination of policies for our needs. He made a good suggestion to diversify even in annuities. We can build a portfolio of annuities for different purposes not just plow into one. Some are best for income, some for growth, some for legacy. We can tailor a portfolio of annuities just like a stock/bond portfolio but with less risk. We are very satisfied.
Satisfied Customer Listened well and put me in touch with
Listened well and put me in touch with a great advisor who was able to meet my needs.
I’ve been working with James Ault
I’ve been working with James Ault. He has been GREAT! Answers all my questions. Follows up as needed. Timely, knowledgeable, and friendly. I look forward to continuing to work with him.
Joshua: Annuity Gator
Joshua helped me understand annuity products, how they can offer a safe and secure income stream for years to come. I’d received some advisement from other financial planners, didn’t like their approach, seemed more interested in sales than guidance to protect my retirement funds. We met several times, did my research and finely came to the best options for me, meet the goals we set during our initial meeting. His guidance, patience were most valued during the process, explained everything in terms i could understand. As i move forward into retirement i feel more secure that i’ll be able gain a good income stream while preserving my investment, providing a legacy for my family.
The Spark – that lead to an Annuity Purchase
I am writing this reference to recommend Sean Sparkman, who facilitated the purchase of an annuity for us. Throughout our interactions, Sean exhibited exceptional professionalism, knowledge, patience, and dedication to customer service. Here are some key points about Sean – Expertise: Sean possesses an in-depth understanding of annuities, investment vehicles, and retirement planning. His guidance was invaluable in helping us make an informed decision, creating a retirement roadmap. Personalized Approach: Sean took the time to understand our financial goals, risk tolerance, and long-term objectives. He tailored his recommendations accordingly, ensuring the annuity aligned with our needs. Transparency: We appreciated his transparency throughout the process. He provided clear explanations, answered all our questions, and ensured we felt confident in our investment choice. Timeliness: The entire annuity purchase process was efficient, thanks to prompt communication and attention to detail. We are pleased with the annuity product recommended and have full confidence in Sean s abilities. We wholeheartedly endorse Sean Sparkman as a reliable and knowledgeable financial professional. Should you require further information or wish to discuss our experience in more detail, please feel free to reach out. All the best, Michael and Colleen Florida
Michael K
Michael K. I exceptional! We appreciate his insight, advice, counsel, and perceptions!
I recommend Mark Newman.
I worked with Mark Newman. When I first spoke to Mark, I didn’t know anything about annuities. Mark was knowledgeable and explained everything clearly. He helped me select the best one for me, then kept me updated on the progress in opening the annuity.
It was a pleasure working with the
It was a pleasure working with the advisor. The advisor provided adequate information to make a decision.
The agent was very respectful and
The agent was very respectful and knowledgeable regarding annuities. Since I had read Bank on Yourself by Pamela Yellen, it was easy to discuss the issues regarding annuities. There is a sense of security in listening to someone who knows what he is talking about void of ego.
I had Sean Sparkman as my annuity
I had Sean Sparkman as my annuity representative from Annuity Gator for several years. I would recommend him to any prospective clients for his excellent services. I am a very cautious person and would not make an annuity purchase decision without fully understanding. Sean was so patience to explain and gave me time to read, understand and ask questions and he had never been push ! Even after I purchased annuity from him for several years, we ve still kept communicating and exchange ideas. Whenever I wrote him emails he would reply instantly and answered all my enquirers ASAP, I must rate him as the top annuity representative!
Great service.
Barry was very helpful and responsive.
I could not have ask for a better. Outstanding Service
I could not have ask for a better experience. I was looking for retirement income. My rep, Joshua Schlinsky, took all the time we needed to explain everything in detail and executed the process flawlessly. I could not be happier.
Russ was great
Russ was great. Very knowledgeable and nice guy!
Adam Grubius did a good job of
Adam Grubius did a good job of explaining how various annuities could help me lock in some of the market gains in my rollover IRA. Thanks, Ed Walton
Robert Baltzell was a great help
Robert Baltzell was a great help explaining the type of annuity I had been sold by another agency. He went above and beyond my expectations when contacting Annuity Gator.
Excellent explanation in detail the
Excellent explanation in detail the pros and cons of investing in annuities.
I had many questions about Annuity’s
I had many questions about Annuity’s and did not feel the people I had been talking to were giving me all my options. But one email to Annuity Gator began a process where they went the extra mile to inform me of the many choices out there. I even got a breakdown in the mail just today. I would recommend them to anyone looking to find out more on how annuities work and what to expect across the board. They have been outstanding in helping me make some tough decisions. Thank You!
Paige Peterson is a very helpful
Paige Peterson is a very helpful Financial Advisor.
Thank you for all the important info at
Thank you for all the important info at this time of my life.
Awesome company
Awesome company. Great experience.
My annuity gator experience
Hands on and very thorough from A to Z. They were able to answer all questions that came up. The whole process was painless smooth.
First of all I would like to say the
First of all I would like to say the representative Matt taub thanks For being transparent and sizing the Questions that I had for a clear transparent decision enough to give me What I needed to continue to pinpoint the right product priceless and this is a good outfit.!!??????????
Bill Decker was very helpful
Bill Decker was very informative and helped me and my wife understand all of our options. With all of the uncertainty in the investing world right now he explained our options in a way that will help us in making the right decisions going forward. I highly recommend Bill for anyone that would want an advisor that they can trust and is great at explaining financial matters in an easy to understand way.
Sean Sparkman Annuity
Sean Sparkman has not been pushy. He has been ridiculously patient with my lack of knowledge. He frequently sends educational articles.
Outstanding
Outstanding Knowledgeable No hard sales Comprehensive Personable
Very knowledgeable and solid advice
Very knowledgeable and solid advice. Great to work with. Very helpful.
Advisor was very seasoned informational
Advisor was very seasoned informational and extremely knowledgeable. Great Experience!!!
the information was very informative.
the information was very informative.
Ryan McNeil was truly a sincere and
Ryan McNeil was truly a sincere and professional gentleman. He did not pressure me into making any decisions and explained all the different types of annuities that are available with great precision and patience. I am very thankful for the education that he provided to me with all the options that I have to choose from. I am looking forward to continue to work with him.
Casey Madden takes the time to explain
Casey Madden takes the time to explain annuities and what investment options may be best for your needs.
Purchase of Annuaity
Thus far, all is going very well and all questions have been answered.
The person who called me was very
The person who called me was very helpful. He went over and beyond my expectation. He was very professional and kind!
My experience with Annuity Gator
I had a bad experience with another financial advisor, and as a result, I became very skeptical, and had developed trust issues. After several contacts with Rick Sparkman, I realized that there was something different about him. By this time, I had talked with several financial advisors. I felt very comfortable working with him, he gave me many education sessions. I have no regrets, and will refer him to any one who is interested in an annuity for retirement. Working with Rick was educational and enlightening, and I am looking forward to a wonderful retirement, because I am confident that the product that was chosen for me, was not commission driven. In my opinion Rick is a true Fiduciary.
Making the Right Personal Choice in an Annuity
Investigating and attempting to understand different annuity products is very challenging. So it requires a person who can help and has great expertise and is willing to go the distance, in conveying information in an articulate and patient way. And Matthew Taub is that guy for the Job ! He truly enjoys helping people. He has been so industrious, enthusiastic and conscientious in educating me on the annuity products that are tailored to my individual needs. It is so important to find the Right fiduciary willing to point you in the correct direction ! Great Experience ! Thanks Matthew . . . You are one in a Million !
Rocky was be informative and very
Rocky was be informative and very patient with my questions. He answered to my understanding and help me comprehend how annuities work. He called to check on me several times to follow-up if I had any questions. He’s been great throughout the whole process. I would recommend Rocky to anyone that was getting close to retirement and wanted to check out an annuity.
I dealt with Cal Menzies who walked me
I dealt with Cal Menzies who walked me through the maze of annuities. He was very knowledgeable, clear, patient and above all I felt he is an honest man worthy of my trust.
Cal Menzies was the best
Cal Menzies was the best! Clear, concise, and very communicative. Sold good product that will help me in retirement.
Annuity Gator is a Great Research Tool !!!
Possibly because I had rolled over a 401K to an annuity, I had begun getting a lot of other annuity sellers’ emails. One of them was Annuity Gator, but I did not know what they did. I realized that my annuity was not going to provide an income stream for 10 years so I contacted the “salesman” who sold me the annuity and I got nowhere. It took several phone calls to get the situation looked at and 4 months to get an answer. It was then I contacted Annuity Gator, but they wanted me to talk to one of their national representatives. I asked them to give me a local representative and that’s how I met Eli Mitcham over the phone. It was he who worked with me through the process which was difficult. After a lot of email correspondence and a lot of time, Eli’s diligence to undo the financial mess I was in paid off. His knowledge of the business is admirable. Eli is a knowledgeable and honest person and that is an awesome combination.
Helpful and Easy to Understand
Scott was very helpful in clarifying how the Allianz 360, ABC and the F&G Power Accumulator 7 might work or not for my particular situation. He speaks in a language that is understandable to lay people such as myself.
Paige is wonderful!!!
Paige is wonderful. She explains everything no matter how long it takes. She is very knowledgeable about annuities and other financial areas. We are so glad we found her.
Ryan McNeill is excellent, highly recommended
Years ago, I selected an A++ provider in order to minimize risk. Recently, I discovered that states provide small investors with another form of insurance against company failure. That opened my eyes to the need to research options. Ryan was excellent in his patient exploration of my circumstances – including needs, goals and risk tolerance. Recognizing that his crystal ball is no better than mine, he presented a variety of good options, answered all questions patiently and thoroughly, without pushing. The Zoom format is wonderful – for good discussion and for handy review tapes. I hope to be able to write a more authoritative review in five years. Meanwhile, I can sleep well at night knowing I ve explored a much wider range of options and will enjoy improved financial performance.
Jeff Woodard was methodical and precise
Jeff Woodard was methodical and precise in explaining annuities and how they work. Furthermore, he was diligent in suggesting which annuity would best fit my particular situation. Jeff used education over sales pressure to allow me to make an informed decision. I consider myself fortunate to have contacted Annuity Gator!
Very informative and educational
Very informative and educational! Mike Kasich was very thorough explaining everything!! Just not ready to move forward at this time!
Knowledge is Power!
Robert was very professional and patient with me as he took time to answer all my questions. I didn’t feel any pressure just enlightened. It was educational and he provided me with information to make the decisions needed for my financial future. He was knowledgeable of the various ways to grow my financial nest egg utilizing annuities that have a built in guarantee as well as pointers of how to protect it as much as possible from unnecessary taxes all of which is important so that I don’t out live my money.
Brian Connor was a pleasure to work
Brian Connor was a pleasure to work with.
The honeymoon phase was excellent
The honeymoon phase was excellent. I will review more as time go on. Sean Mason is an amazing advisor. He speaks in terms the layman can understand. He is not pushy and takes his time explaining and answering any questions you may have. He did not try to sell me on anything and let me soak in the information given and time to research on my own. He said he was there if I needed anything or had questions to give him a call. Give him a call and just talk to him about your concerns, I have a feeling you will be glad you did.
Bill is fantastic
Bill is fantastic. Patient, informed, and experienced. This is a zero pressure, educational process. Very impressive organization.
Great
Great, no sales pressure very informative.
Great experience
Great experience. Answered all my questions.
I was contacted by Mark Shelby who
I was contacted by Mark Shelby who answered my question and patiently walk me through very clear explanation on how annuities work. I also listened to the recent webinar that was very well done. Thank you, Lyn
Glad We turned to Annuity Gator !!
Darryl J. Stein was fantastic he went through several scenarios, to ensure we got the best product. We were looking to get extra income from the money we had in other accounts. The product he found for us beat other financial advisors literally by thousands of dollars, we were very pleased with Darryl from Annuity Gator and would recommend him to all our family and friends.
Very personable and knowledgeable advisor
Excellent service. Appreciated the seminar by Terry. Have received excellent service, responsiveness, knowledgeable and very personable advisor, Barbara Halperin. She is great. Have already recommended her to others. Thank you, Barbara!
Before & After
Before I contacted Joseph, I knew nothing about annuities & was very sceptical of this product. After speaking with him & reading his book, “Wealth Compounded”, I feel much more at easy concerning fixed & indexed annuities.
Great resource for professionals in the
Great resource for professionals in the financial services industry. Great sounding board.
Ryan McNeill is an Excellent advisor!
Ryan McNeill is an Excellent advisor! He very patiently and clearly guided me through annuities helping me understand annuity terminology and policies. He is very professional as well as friendly, patient and positive. He is a pleasure and a real asset to Annuity Gator!
I cannot say enough good things about
I cannot say enough good things about Terry. I was heavily invested in index annuities and Terry helped me roll everything over to fixed annunitys. It was perfect timing, seeing what is going in the stock market. His knowledge of annunitys put my mind at ease as we chose what to invest in going forward. Security was my number one concern so he helped us achieve that goal. I look forward to working with him again.
Great service
Marcus was very patient and clear when he explained how annuities work. I appreciated his honesty about the various choices open to me and I trusted his advice.
Training is very good
Training is very good, but you have to put the time in.
Very helpful always answer my call.
Very helpful always answer my call.
I say that quickly as many things are
I say that quickly as many things are still in process. However, so far, explanations have been excellent as things are progressing as quickly paper/emails, with responses all take time
Marcos is excellent
Marcos is excellent. Very knowledgeable, and explains all products in simple terms. Answered all questions, explanations made simple.
Joshua Schlinsky
I am delighted to share a review of my recent experience with Joshua Schlinsky. Annuity Gator provided the contact with Joshua, and I am glad they did. Initially, he listened to understand my needs, wants, and fears. He took the time to educate me on the alternatives available in the field of annuities. He answered every question and never pushed for a sale. We met several times by phone and Zoom meetings, and he walked us through a process that resulted in a slightly different approach than we started out with. I would recommend Joshua without any reservation. Thank you, Joshua.
Great experience
Great experience. Very knowledgeable and no pressure. Give them 5 stars.
I had questions concerning Annuities
I has questions concerning Annuities Jeff Woodhy answered my questions so I could make an informed decision about my Annuity.
Annuity gator has educating videos and
Annuity gator has educating videos and articles for you to make decisions with out trying to sell you products, I was paired up with a wonderful money manager to talk with and go over several different plans for my wife and myself. Again no pressure to buy anything. This is a good tool I wish I found it years ago.
I received excellent service from Mark
I received excellent service from Mark Shelby.
Great guy!!I really liked the person i was working
I really liked the person i was working with. He was knowledgeable, friendly and responsive.
Great customer service
Great customer service. My adviser Eric Welty is very knowledgable and patient and he explains and answer all my questions.
Annuity questions!
Annuity Gator Team is very precise in assisting you with your needs. They take time out and answer all of your question without feeling that you are being pressured.
Thanks
How do I increase my funds?
I started looking on line for a better interest rate than my bank. This was my first experience on line. It turned out beautiful. Sean was very knowledgeable and helpful. He knew his math and listened to what my needs were. He always gave several potions to choose from. Each was explained in great detail. The one I chose gave me an extended death benefit and an option if I became serious ill. I didn’t feel totally bound and not able to get my money. I was a little concerned since he didn’t have an office in my state or hometown. I have been with him for a year and am totally comfortable with my ability to talk to him when needed. This was money that was not needed in the near future yet I still could access it for a serious emergency. The entire plan seems to look out for all my worries. Sean spends the time with you! I am so lucky to have found this annuity. I did my due diligence an found this insurance company met my requirements. Sincerely, Rosemary J. Waldron
Helpful advice given
Helpful advice given, good information
Found the right solution for our needs
After contacting you, I was put in touch with Wendy Pyne who did an excellent job of helping us find the right annuity for us.
Terrific explanation of annuities
Terrific explanation of annuities! Very helpful
James was quite thorough and
James was quite thorough and professional in presentation.
I was listened to rather than lectured…
I was listened to rather than lectured to.!
Annuity questions!
Annuity Gator Team is very precise in assisting you with your needs. They take time out and answer all of your question without feeling that you are being pressured. Thanks
Great service
It is pleasure to work with Larry. It seems he knowledgeable and professional. He give multiple options and clear explanation about Output value you may expect