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Yes, but it will cost you surrender charges. The key question is whether paying those charges now saves you more money long-term than staying trapped.

For larger annuities ($250,000+), surrender charges often range from $35,000-70,000 depending on your contract terms and how long you've been locked in.

Advisors typically earn 5-10% commissions on annuity sales - often the highest commission of any product they sell. Your $300,000 annuity could net them $15,000-30,000 upfront.

Nothing, if they were actually guaranteed at competitive rates. But "guaranteed" 4-5% while missing out on 8-12% returns costs you hundreds of thousands over time.

Not necessarily, but most retirees don't understand the true costs and restrictions when they buy them. The devil is in the details of surrender charges, fees, and opportunity costs.

Compare your total costs of staying (fees + opportunity cost) versus total costs of leaving (surrender charges + taxes). Most people break even in 18-24 months. You can use our free annuity calculator to get an idea of how much you could be losing.

We use real math, actual contract terms, and documented performance data. The numbers speak for themselves - we're just showing you the calculations most people never see.