There are thousands of annuity companies available to the individual investor. At last count, there were roughly 2,000 insurance companies offering over 12,000 annuity contracts. Out of all of these contracts offered, most of them are not very actively sold because they are not very good contracts.

As a matter of fact, roughly 90% of all annuity purchases are conducted with the top 20 variable annuity insurance companies. There is a specific reason for this. Those companies usually provide the best there is to offer, or they offer some other incentives for brokers or agents to sell them.

Every annuity pays a commission to a broker or agent, which is not that big of a deal, but you need to know that if you buy an annuity product, someone gets paid. Therefore, if you are thinking of buying a product from a broker, agent or a website, how do you know that you are getting the best product for your needs and not that of the broker, agent or website?

Until Annuity IQ came along, you had to simply trust that you were getting the whole story. Now, with Annuity IQ, you can be completely sure that you are getting the whole story. We back this up with our Pillars of Strength.

Our Pillars of Strength:

Trust

From day one, Scott laid out his work history and disclosed his name and former employers. He does not hide behind anonymity or the internet and can be contacted at anytime via email.

Research

We use a bottom up approach to our research and no shortcuts are taken. We sift through the prospectus of each product to ensure we know exactly how each product and benefit actually works. We then verify the information, for complete accuracy, with each insurance carrier. This involves hours of work for each product and benefit. We examine the prospectus and rip the product apart to give you the best possible view of how the product and their benefits actually work.

Rating

We then rate the product based on several factors and conditions. This simple to understand rating system is ideal for people of all walks of life, no matter if you are a financial professional or a consumer. The 5 star rating system simplifies the results and gives you a quick overview of overall performance. With this rating system you will know instantly if the product is good or just OK.

Unbiased

We do not sell variable annuities and do not care what product you buy, or if you even buy an annuity at all. If we sold variable annuities we would get paid commissions, we could not be unbiased if we collected any type of commissions from insurance companies. We are the one of, if not the only, website that can make this statement.

Educate

The day we stop learning is the day we cease to be truly alive. Educating is not trying to selling you anything it is showing you the way things work, this is what we do. We break down each product, their benefits, and explain their rating, so you know exactly how that benefit works and if it will meet your needs or not.

Expert

We were the first to list our backgrounds and provide a link to the NASD Broker check to verify Scott DeMonte’s qualifications. Scott is a second generation financial advisor, his family has an impressive financial services track record of over 76 years of combined experience. Scott, personally, has over 13 years of actual financial services experience (meaning he has held his series 7 and 63 licenses for 13 years) and has been an investor all of his life.

Independent

We are not owned by anyone in the insurance industry or a broker/dealer. We are not affiliated, in any way, with any of the variable annuity companies we review and rate. We do not report to anyone and we do not have to generate commissions to stay in business. No other annuity website can make that claim.

Easy

We wish to keep the annuity selection process easy for all. Our website is designed to keep it simple so everyone can understand what we have to offer. We took extra precautions to ensure that no matter what your expertise is in, you will understand our information. We even offer the only variable annuity suggestion tool available on the internet.

We do not hide anything, we have no hidden agenda and we want to help everyone, financial advisors and consumers, find the best products on the market. You can look around at other websites specializing in annuities, but their ultimate goal is to sell you a product, not a service.

You have choices:

1) Trust that someone is looking out for you or your clients best interests

OR

2) Use Annuity IQ and be sure that you are getting a straight answer.