In the meantime, I’ve prepared two exclusive reports that have been downloaded over 10,000
times and helped people that want to retire confidently and comfortably.
The Retirement Happy Factor: The Secret To Ensuring A Comfortable And Financially Secure Retirement
Inside you’ll discover the critical key ingredients you need to retire with confidence.
This concise report will reveal to you:
The 2024 Annuity Buyer’s Guide: 15 Tips For Finding The Right Annuity
Inside you’ll discover the essential information you need to be aware of BEFORE you buy any annuity.
This exclusive report is LOADED with tons of great information and in it you’ll discover:
We specialize in helping Americans financially prepare for retirement with the proper use of annuities. We use technology to evaluate hundreds of annuities of all shapes and sizes, from top-rated insurance carriers.
Our Licensed Annuity Investigators 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 show you how you can reach your goals, protect your assets, and do so in the lowest risk, lowest cost manner possible. Your Licensed Annuity Investigators will provide you with retirement planning guidance and annuity recommendations to help you reach your retirement goals. Rest assured, you don’t have to worry about a high-pressure sales pitch or anything like that.
We focus relentlessly on three things: Honest guidance. Best annuities. Personalized for you.
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 Strategy Session 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.
A Strategy Session or Web Demo 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.
We provide Strategy Sessions for FREE. Our Licensed Annuity Investigators can help you compare several annuities against each other so that you can decide if an annuity is right for you. If you would like to purchase an annuity through us, the insurance company that provides that annuity compensates us for helping you find the best annuity.
In the spirit of full transparency, we offer our Strategy Session phone consultations for free, because we know that if we educate and help enough people — many of them will choose to work with us and become happy clients.
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 who 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 and 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.
Rated 4.9 | Based on 412 Trustpilot reviews
AnnuityGator.com offers independent annuity product reviews. Nothing on this website is a recommendation to buy or sell an annuity. All content is for educational purposes only. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances. All names, marks, and materials used for the reviews on this site are property of their respective owners, and not those of AnnuityGator.com. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale.
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very friendly and honest
very friendly honest and gave great advice on what was the best option to take in a bear market
Great info very helpful and
Great info very helpful and knowledgeable. Thanks again Matthew Taub
The Best Annuity Advisor
I m absolutely pleased to work with Cal Menzies, and had him as my Annuity Advisor. He was truly focused on my needs, he did an excellent follow up to make sure all was done properly and on time. He worked hard to find the best product for me and get my benefits when I needed it. He was very professional, showing that he cares about every aspect of her job and his clients. Thank you Cal for all your attention. It was a pleasure working with you. I sincerely thank you for the time we have worked together. We continue in contact! I would highly recommend Cal Menzies to anyone who is looking for Annuity investments.
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.
I was very pleased to get the insight I
I was very pleased to get the insight I needed from Ryan and appreciate his advice without any pressure whatsoever to purchase through him.
Brian Connor was a pleasure to work
Brian Connor was a pleasure to work with.
Great service,very friendly and knows
Great service,very friendly and knows what he is talking about
Knowledgeable on the subject
Knowledgeable on the subject . Help customer find the right product for her/his conditions . Willing to compare and find the best to fit the customer’s needs. Always prepared for online meeting with remote customers .
Great Service from a Proffessional makes a difference.
My wife and I went to Annuity Gator to compare what we already had in our Annuities with other Annuities because we weren’t happy with our pay out. We contacted Darryl Stein with Annuity Gator and I must say that Darryl was the difference maker for us, He wanted for us what we wanted and that basically was to get the most out of the money we had invested. He was proffessional throughout the whole process, got us twice the payout we were going to get with our previous annuity. When we were ready to sign the documents he came to our house and went over everything including setting up the websites with the new company we invested in. To put it simply Darryl was great and we are very happy with our annuity that he set up for us.
Annuity Annual Performance
Barbara Halperin has been Exceptional revealing with my account.
Excellent unbiased presentation of
Excellent unbiased presentation of products. Good communications and attention to details.
My advisor(Barbara Halperin) provided
My advisor(Barbara Halperin) provided me with appropriate educational material which enabled me to make an investment decision by selecting an appropriate annuity which meets my needs. She also helped me by assisting me in filling out all the required paperwork. I felt that my advisor was easily available to answer all questions with expertise and patience. I will certainly recommend her to others.
Wade Menzies is wonderful
Wade Menzies is wonderful. He explains everything thoroughly and is not pushy. He is a joy to work with him
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.
Highly recommend Sean Sparkman
Sean is very knowledgeable on all the annuity products and explained every thing clearly which is easy to understand. He is very patient and is willing to take time answering any questions. He is trustworthy to be your advisor.
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.
The have given prompt attention to my
The have given prompt attention to my questions.
Excellent Service from Donna.
Donna was there with me every step of the way. She was very thorough about all the products and services available. She made me feel like I made good choices and know she will always be there for information and support.
Great service.
Barry was very helpful and responsive.
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.
Annuity Gator was extremely
Annuity Gator was extremely knowledgeable about my annuity question. Took the time to explain what the typical characteristics of my annuity were. Then they looked into the specifics of it and provided the information I needed to make a decision going forward. I was impressed with what a good experience my call to Annuity Gator was. I recommend them highly.
Excellent
Doug is very well versed and explains things very well.
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.
Great!
Greg was great to talk to. Very informative and unbiased. Appreciate the information.
Why I chose annuity gator with Jason Siebert
I am not a novice purchasing annuities or researching internet companies . I own several MYGAs for different accounts and confidently chose them myself . However, I was pitched a complex fixed index annuity from a specific company by a suave financial advisor. I noticed many red flags throughout this advisor s lengthy presentation and knew I needed another unbiased opinion . I found annuity gator online and liked their business model of only using independent financial agents who represent hundreds of companies and were not captive agents . I was assigned to Jason Seibert . I asked Jason to scrutinize this annuity and tell me the good, the bad and the ugly . Jason willingly and skillfully analyzed the product and confirmed the red flags while judiciously pointing out more . I spent several sessions with Jason exploring annuity products best suited for me . Jason has that rare ability to simplify complex ideas , educate ,and provide structure while not judging a clients level of understanding or their reasons for preferring some products over others . Jason was committed to finding the highest annuity rates from highly rated companies using my criteria . He did not pressure me to make any decision about anything or to purchase if I did not want to . He made clear we could have as many discussions as I wanted which we did even if I chose not to purchase a product . When I finally chose my annuity product , we screen shared completing the application to make the process shorter and easier than if I did it myself. The application was delivered to the annuity company , reviewed, accepted and funded in a reasonable time frame without mistakes or missing data. That alone is huge . I knew immediately that Jason was the right agent for me and I chose the best product for me with his support . It s very difficult to search the internet for reputable companies and even rarer to find an agent with both analytical and interpersonal skills . I recommend Jason Siebert and Annuity Gator to provide safe , manageable and legitimate solutions for income in retirement or any phase of life
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!
Eric and Terry were very educational
Eric and Terry were very educational, patient and thorough in there explanation of what our existing annuity works and offered a solution that made sense.
Feeling confident
Having NO experience with my finances as far as retirement goes, I went to a seminar with a different firm, and, found things that weren’t making me happy with them. The MAJOR problem was not being able to see where and HOW my money was working in Lamen terms. Very difficult to understand and also that there were fees in almost everything I wanted to do and another was all the paper work that needed to get done to obtain my own money. I investigated many other firms and decided that I would like to try Annuity Gator. Right out of the gate , they set me up with a local advisor that called me, went over things and made an appointment to come out to my house and, To make a long story short, Set me up with a plan that I understood, could see on my computer and actually understand what he was talking about. It took a couple of weeks to get things set up, but he traveled 45 min. to and from my place and even got on the phone with me and the banks that I wanted to move funds to and det up a steady monthly withdrawal that I was comfortable with. It’s only a start but at least I feel confident in this company that I won’t have to work anymore. I’m not rich nor will I be but I’ve always been a conservative and feel good at this move. Thank You, Jeff Blocker for being the professional you are. I look forward to a continues business connection with you.
Annuity Gator-Critique
I am new to your program, but the overall-content is really good. Love the case histories & asking for permission with a prospect to tell some personal stories. I would give it a 5-Star except some people are not muted & the volume seems too low to sometimes not hear everything that is being discussed. Love the weekly feedback! Keep it going!
Rep was thorough, but concise
Representative called me on time, was clear, concise, thorough, and listened to me. Also offered to follow up, and DID.
John Montoya gave us very valuable
John Montoya gave us very valuable information. Pleasant and thorough. Always on time with a scheduled appointment. Will definitely consult John again.
Barry is a great representative for
Barry is a great representative for your company. He is patient, knowledgeable, shows empathy and has been very professional.
Ryan was extremely helpful and I
Ryan was extremely helpful and I learned a lot about annuities from our conversations.
William is a trustworthy guy
William is a trustworthy guy, taking a lot of time explaining to me the ins and outs of the product we chose. He sifted through several annuities to arrive at the perfect fit. I never felt pushed or “sold”, and the transaction was smooth and quick.
Thank you for all the important info at
Thank you for all the important info at this time of my life.
Outstanding Service
My advisor, Wendy Pyne, was outstanding. She spent hours with me patiently explaining the different products on the market and walking me through the unfamiliar terms and concepts used in the annuity field. Very knowledgeable! Ms. Pyne then spent additional hours helping me find the right product for my individual needs. Could not be happier with the service I received
Scott was very knowledgeable and
Scott was very knowledgeable and explain annuities where I could understand. It was very pleasant and helpful on the phone and I would recommend him.
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 info and helpful
Great info and helpful
Very professional and very informative
Very professional and very informative
I had a less than good results with a
I had a less than good results with a major insurance company with my retirement funds. It wasn t all their fault due to the bond market going south. But it still cost me a lot of money. I reached out to Annuity Gator to see what they had to offer. I am as skeptical because of what I had heard about annuities in general. Barry Young took me by the hand and never tried to close the deal: He was steady and reassuring from day one. I would suggest to anyone to give Them the opportunity to explain how todays annuities actually work.
Sean Sparkman was Totally helpful in
Sean Sparkman was Totally helpful in every step of the way, helping me to get set up with the right annuities and any time I have questions or concerns, he has been Right on Top of things to make me feel Totally at ease. Keep up the Good work, Sean!
A great phone meeting.
Barb was helpful, honest, obviously loves the subject-matter, and is very personable to talk to.
Happy We Met Joshua Schlinsky
We met Joshua Schlinsky through annuity gator while we were working through some annuity options. Joshua educated us on some annuity options that were a good fit for our specific needs. He made the process comfortable for us as we worked towards the option that was the right fit for our situation. We are very happy with the annuity option that Joshua helped us choose. Joshua made this a positive experience for us.
Cal Menzies was the best
Cal Menzies was the best! Clear, concise, and very communicative. Sold good product that will help me in retirement.
Josh was wonderful to work with.
Josh was wonderful to work with. No pressure and explaining the various products available. Would recommend him to anyone wanting an annuity David Kahn
All my questions were answered and I
All my questions were answered and I shopped siffernt annuities for a while.
Wonderful service and support
I knew I wanted the security of an annuity, but did not know much more than that. Annuity Gator and my agent, Toney Sebra, guided me through choosing the right annuity for me. Toney was extremely helpful in setting up the purchase and funding of the annuity. I am so pleased that I now have the security of guaranteed lifetime income.
Lot of great advice.
Lot of great advice.
Larry has been very informative
Larry has been very informative
Terrific honest insight and counsel
Terrific honest insight and counsel into often complex annuities.
Skeptical though interested
Initially I was very skeptical concerning FIAs, how they worked and fit into my retirement plans. I had no idea what to expect, thought it was all fancy sales hype. I reached out to a few financial planners with various programs but not sold on the proposals. I did my homework, contacted Annuity Gator for their take on the subject which connected me with Joshua. After a few meetings, reading through his book things started to make sense. Joshua was straight forward answering any, all questions about the products available to me with great patience. We continued to meet for almost a year before coming up with a solution that fit my goals, decided to include my pension, 403B funds into two products to supplement Social Security at retirement. Joshua was on top of all the products available, ratings and felt my best interests were met. Joshua ran down all the numbers, options and went with guaranteed payments for life, a legacy option. Both FIAs together provided the shortfall I was looking for which included beneficiaries. Joshua was great to work with, would highly recommend his services.
Great experience working with Tim Walker!
Tim Walker was great to work with! He met with me several times to thoroughly understand my retirement goals and risks I was willing to take. Then he came with back with a few options for me. He took the time to review them in detail and answered all of my questions. Then once I decided what I wanted he got me set-up. Overall it was a great experience working with Tim!
The adviser was knowledgeable and
The adviser was knowledgeable and answered my questions thoroughly without attempting to sell anything.
Had my 401k invested in stocks but felt
Had my 401k invested in stocks but felt very uncomfortable with it and wanted to make a change. Found annuitugator onllime and called them. Was asked about my expectations and what I wanted from an annuity. At end of conversation the rep I was working with was going to do some research into what would fit my needs and agreed to another meeting the next week. At the next meeting there were several different plans to look at and the rep went through each one and explained the benefits of each one he had selected. At the end I selected with his guidance which one was the best fit and which one I liked. There was no pressure to select one or reject all of them. I made a choice and we proceeded with the paper work to apply. I have never regretted my decision and was given assistance all the way through to the end
Honest friendly advice
Very knowledgeable. Good professional advice.
I ve worked with Terry for almost three
I ve worked with Terry for almost three years now and consider that s he s done an admirable job. He s answered all my questions and preempted many many more. My wife and I feel quite secure in the fact that the money we ve invested via Terry s recommendations will pay dividends in our retirement. More importantly, we can think about enjoying these next few years prior to retirement than wonder we ve set aside enough for a comfortable retirement. I can wholeheartedly recommend Terry if you re serious about your financial future and want to work with an honest straightforward individual who s interested in your financial success rather than maximizing his own profits.
I want to express my heart felt gratitude
I want to express my heart felt gratitude for the assistance and guidance that our Annuity Advisor , Neil Dekter, provided my wife and I when converting our IRA in to our current Annuity. My wife and I had experienced a most un-fortunate event related to a portion of our retirement investments and, the company that held our investments made transferring funds challenging. Neil’s Courtesy, Professionalism and Patience helped not only to execute the transfer smoothly but, helped my wife and I keep our sanity through a trying time! Through Neil’s efforts, I rest easy knowing that my wife and I will receive a steady monthly lifetime income. I am sure there are many Annuity Advisors who are experts in the industry and, Neil is not only an expert in Annuities, he is an expert in people and truly cares for his clients! My wife and I feel deeply blessed to have met Neil and had the opportunity to work with him!
Steve Prce is the best “financial
Steve Prce is the best “financial person” I have ever met. He puts forth much effort and is patient w/ a novice like me. Great to work with him.
Helpful advice given
Helpful advice given, good information
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!
I’m so thankful I met Jason Siebert
Due to the current economic climate, my IRA had lost more than $100,000. I needed to stop the bleed. I was interested in Annuities because i heard you never lose money. I started to research different companies and that is when i Met Jason Siebert with Annuity Gator. I explained i was new to the world of annuities. Instead of being pushy like another annuity salesman i ran into, Jason took his time over the course of six weeks to educate me. What a treasure. I entrusted my entire retirement savings to Jason and he was able to replace the amount I had lost in the market. Thank you Jason for the ease of mind.
Joshua is very knowledgeable and not
Joshua is very knowledgeable and not pushy about the subject matter. He was very pleasant to work with.
Excellent information provided by
Excellent information provided by Barbara regarding a variety of annuities/fixed index annuities!!
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.
We couldn’t be more pleased!
Annuity Gator connected us with a real find, Sean Mason from Fresno Financial advisors. Sean is extremely knowledgeable, thoughtful and trustworthy, the exact type of professional we search for when it comes to consultants, from doctors to finance. Since we made contact with Sean via Annuity Gator a couple of months ago, we have established a wonderful working relationship with Sean and his great staff and completed several major transactions. We couldn’t be more pleased. Thank you, Annuity Gator.
Very informative
Terri has a great deal of info on annuities to help with your decision to buy which type of annuity.Like he tells you he doesn’t guess, he takes hard information and drafts a plan for you.
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.
Service rep was the difference
Service rep Jeff Woodard was so helpful. He made the entire process so easy to understand. He was friendly,patient, and gave me the feeling that he was working for me, to try and get a good product within the constraints of my own personal financial situation.
Bad information from Annuity Gator…
After talking to the gentleman about My up comming retirement I figured the information I was told would not work more than a few years at best.
Easy to use and informative information
Easy to use and informative information the the website. Helpful consultants.
Very helpful full of information
Very helpful full of information
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!
Rave Review
Outstanding service and knowledge base by professional staff. Extremely helpful in delivering quality assistance.
Barbara Halperin is the BEST!
Barbara Halperin made my experience great with Annuity Gator! She is knowledgeable, understanding, patient and a true fiduciary. Which is very rare in the current investing climate. Twice Barbara lead me to great annuities with my best intentions at heart. I am very grateful as the proud owner of (2) annuities and my retirement is monstrously more secure than previously! I owe Barbara a tremendous gratitude and I now consider her a dear friend. Thank you again Barbara!