Annuity Proposal & Contract Fee Audit Sheet
Printable 1-page due diligence checklist to audit advisor fees, participation rates, surrender charges, and lifetime rider costs.
ANNUITY PROPOSAL & CONTRACT FEE AUDIT
Index Crediting, Rider Fee & Surrender Schedule Protocol • 2026 Edition
Carrier / Company
__________________
AM Best Financial Rating
A+ / A++ Secure
Initial Premium
$ ________________
Contract Type
Fixed Index (FIA)
1. Crediting Strategy & Principal Floor
Hard 0% Floor: Contract guarantees zero principal loss during down market years.
Participation Rate: Verified annual S&P 500 participation percentage.
Annual Cap Rate: Documented upper cap on annual interest gains.
Annual Reset / Lock-In: Earned interest locks in annually and cannot be lost.
2. Rider Fees & Internal Expense Drag
GLWB Income Rider Fee: Documented annual percentage fee (typically ~0.95%–1.20%).
M&E / Admin Charges: Verified zero hidden asset-based administration drag.
Fee Basis: Confirmed fee is deducted from Cash Account (not Income Base).
Upfront Premium Bonus: Confirmed bonus vesting schedule and impact on caps.
3. Surrender Schedule & Liquidity Access
Surrender Duration: Exact penalty timeline documented (e.g. 7-Yr or 10-Yr).
Penalty-Free Withdrawals: 10% annual withdrawal permitted after Year 1.
MVA Clause: Market Value Adjustment terms reviewed for early exit.
Nursing Home / Terminal Illness: 100% surrender fee waiver rider included.
4. Lifetime Payout & Death Benefit
Payout Factor: Verified lifetime withdrawal percentage for applicant's age.
Spousal Continuation: Joint payout percentage established for surviving spouse.
Death Benefit Transfer: Unused account value passes to beneficiaries without probate.
State Guarantee Fund: Verified coverage limit under state guaranty association.
Generated by AnnuityYield.tools • Guaranteed Income & Wealth Preservation Suite.
Annuity Protocol 2026
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