Fixed Annuity X-Ray

Your fixed annuity has more moving parts than the statement shows.

A Policy X-Ray reads your contract and lays it all out in writing — plain English, your actual numbers.

See what you get Do I need an X-Ray?

What your fixed annuity is doing right now

And everything you probably don't know about it.

Your rate has a reset date.

After the guaranteed period ends, the carrier sets your rate — sometimes every year. Most owners can't name the date.

Your contract has a minimum floor.

Often 1%. Below that the carrier can't go. Above it, they can credit whatever they want.

Your surrender charge has an end date.

Move money before that day and you pay a penalty. Move after and it's free. Few owners can name the date.

You can pull 10% a year, penalty-free.

A contractual right inside most annuities. Selling agents rarely mention it.

You can move to a new contract tax-free.

A "1035 exchange" lets you swap annuities without a tax event. Most owners assume they're stuck.

Your death benefit may not equal your account value.

Some contracts guarantee deposits back to heirs. Others pay the account value as-is. Check yours.

"Annuitize" is an option, not a default.

It locks your cash into lifetime monthly payments — irreversibly. Most owners never choose deliberately.

Current rates may be higher than yours.

Especially on contracts more than a few years old. The gap can be thousands a year on a mid-sized annuity.

Every one of these has a specific number attached to it on your contract. A Policy X-Ray puts them all in one document.

This is exactly what you get

Three things. That's it.

Step 1

01Your policy docs, handled

You sign a one-page authorization. We pull your contract and current illustration from the carrier. No digging through files. No 800 numbers. No hold music.

Carrier Request
Signed
Authorization · Patricia H. 2/12/26
PDF
annuity-contract.pdf
✓
PDF
current-illustration.pdf
✓
Step 2

02A full written X-Ray

A 12-page PDF that answers every question above with your actual numbers. Each lever explained in plain English, your options modeled with math, and a single table matching your situation to the right move. Swipe through the pages below — or open the real thing in a new tab.

Sample Fixed Annuity X-Ray page
1 / 8
Open the full PDF →
Step 3

03100% money-back guarantee

If no action worth taking surfaces in your X-Ray, we refund your fee in full. No questions, no follow-up pitch.

100%
Refund

Sample pages above are from a real Fixed Annuity X-Ray. Client details anonymized; numbers and structure are real.

Two ways to start

Just the docs, or the full thing.

Policy Quick Scan
$97one-time

We pull your contract and current illustration from the carrier, then send you a one-paragraph take from a licensed agent on whether a full X-Ray is worth it for your policy.

  • Signed authorization + carrier retrieval
  • Your contract + current illustration, as PDFs
  • One-paragraph take from a licensed agent
  • 1–2 weeks typical turnaround
  • $97 credited toward the full X-Ray if you upgrade
Get the Quick Scan — $97
Full Policy X-Ray
$497one-time

The full written analysis of one policy — every lever in plain English, every option modeled with real math, and a decision table matching your situation to the right move.

  • Docs retrieved from the carrier (included)
  • Full written analysis, roughly 12 pages
  • Every option modeled with actual math
  • Decision table matching your situation
  • Licensed agent writes it; second reviewer checks it
  • 100% money-back guarantee
Order the Full X-Ray — $497

For reference: fee-only insurance advisors charge $1,000–$2,000 for a single-policy written analysis. Attorney-led review firms typically run $3,000–$10,000.

Own a different policy?

We write X-Rays for every major life insurance and annuity product.

Whole Life Universal Life Term Life Indexed Annuity Variable Annuity

How ordering works

Four steps from order to delivery. Typically 2–3 weeks end to end, depending on how quickly your carrier responds. No phone calls required.

Under 5 minutes

01Order the review

Pick your tier, pay by card. Three-minute form. No phone call required.

Policy X-Ray
Receipt
Written Analysis $397.00
Paid · Stripe
Within 1 business day

02Send us the policy

Upload your annual statement and contract via a secure link we email. Don't have them? We'll request them from your carrier with your signed authorization.

Secure Upload
SSL
↑ Drop files here or click to browse
PDF
annual-statement-2025.pdf
✓
PDF
policy-contract.pdf
✓
2–3 weeks

03We do the analysis

A licensed agent reads your contract, pulls a current carrier illustration, and models the specific alternatives for your situation. A second reviewer checks it before it ships.

Analysis Status
In Progress
  • Documents received
  • Contract reviewed by agent
  • Carrier illustration pulled
  • Alternatives being modeled
  • Second reviewer check
  • Delivered
Delivered to your inbox

04You receive the document

A 12–20 page PDF with the facts on page one, your options laid out with numbers, and zero pressure. Done-For-You customers also get an optional 60-min debrief and, if you decide to act, we handle the carrier paperwork. Nothing worth flagging? Automatic refund.

hello@getsure.org · 10:14 AM
Your Policy X-Ray is ready
Hi — attached is your Policy X-Ray. Page one is the summary. Let us know if any question comes up while you're reading it…
Policy-X-Ray-Feb2026.pdf 14 pages · 2.1 MB

Who we are

Policy X-Ray is produced by GetSure Insurance Agency — a licensed insurance producer in all 50 states, operated by Algoli LLC. Founded by Rikin Shah (Columbia, Stanford MBA), who spent a decade at J.P. Morgan and Stone Point Capital analyzing financial products for institutional investors before building a firm that does the same thing for consumers.

Every X-Ray is written by a licensed insurance agent and checked by a second licensed reviewer before it ships. Every option is modeled with real math — dividend projections, surrender-charge timing, tax impact, break-even analysis — not rules of thumb.

We also write and sell life insurance and annuities when a customer asks us to. The X-Ray is deliberately separate: flat fee, written deliverable, no implied next step. The analyst writing your analysis isn't pitching you anything, and we disclose any commission inside the document before you decide.

Verify our licenses through NIPR / NAIC.

A written read of your annuity. No call. No pitch.

Twelve to twenty pages. The facts on page one. Your options in dollars. Full refund if we find nothing worth telling you.

Do I need an X-Ray?