Find out how much you might save. If you've owned a variable annuity for some time, there is a good chance that a tax-free exchange to a low-cost annuity at Schwab could significantly reduce your annual annuity expenses. Over time, these savings can really add up. Use our simple online tool, and in less than 5 minutes see how much you might save by transferring to a low-cost annuity at Schwab.

In addition to annual annuity fees, you should also consider the impact of any surrender charges, available investment choices, income options, and any other annuity guarantees.

Optional withdrawal benefits that can provide guaranteed lifetime income for you and your spouse are also offered with the Schwab Income Choice Variable Annuity. To learn more, call 888-745-9679 to speak with a Schwab Annuity Specialist.

Need an annuity consultation?

A Schwab annuity specialist can help. Call 888-745-9678 or email us

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The annuity expense savings analysis is limited to the difference in estimated annual base annuity expenses (mortality and expense risk charge and administrative fees including any applicable contract maintenance charge) between the respective Schwab annuity and your current annuity. This analysis is not a substitute for careful consideration by you of the relative merits of the other features of each annuity, such as the investment choices, income payment options, and guaranteed benefits. We strongly recommend that you consult with a Schwab Annuity Specialist for a more comprehensive assessment of whether an annuity exchange is in your best interest.

Information regarding the annuity contracts contained herein is obtained from Morningstar, an independent third party source believed to be reliable, but its accuracy or completeness cannot be guaranteed. Schwab is not responsible for the accuracy of the information for your existing annuity contract.

Charles Schwab & Co., Inc., a licensed insurance agency, offers annuity products that are issued by insurance companies that are not affiliated with Schwab.

Annuity products are sold by prospectus only, which can be obtained by calling 866-663-5240 or online at Schwab.com/annuities. Before purchasing, you should carefully read the prospectus and consider its investment objectives and all risks, expenses, and charges associated with the annuity and its investment options. A variable annuity's value will fluctuate depending on the underlying investment. An investor's units, when redeemed, may be worth more or less than the original amount invested. Variable annuities are suitable for long-term goals, such as retirement, and any withdrawals of earnings prior to age 59½ may be subject to income tax and 10% penalty. Guarantees are subject to the claims-paying ability of the insurance company, and do not apply to the separate account or the underlying portfolios available with this contract.

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Enter your existing annuity
For an accurate analysis of annuity expenses, this section will ask you to select the variable annuity you own and enter the current account value.
Find your annuity
You can search for your annuity in two ways: 1) Search by Annuity Name or 2) Search by Insurance Company.
Search by annuity name
  1. Enter the full or partial name of your annuity in the search box.
  2. From the search results, select the name that exactly matches the name of your annuity.
Search by insurance company
  1. Select the Search by Insurance Company link.
  2. Click on the alphabetical listing, and select the insurance company from the pull-down menu.
  3. Select the name of the annuity from the product pull-down menu.
Distinguishing between annuities with similar names
You might find two or more annuities with very similar names, so be sure to select the correct one. Here are some helpful hints:
Call an annuity specialist
For help finding your annuity or other questions, please call a Schwab annuity specialist at 888-745-9678.