Independent Annuity Brokerage
Compare Current Annuity Rate Offers From Top Carriers
Annuity rates and contract terms change often and differ by carrier. Ken Orenstein compares offers side by side and explains the fine print before you decide.
- Offers from many top carriers, compared in one review
- MYGA terms of 3, 5, 7 and 10 years reviewed together
- No direct fee to you for annuity brokerage work
Independent broker licensed in NJ, NY, NC, MD, VA, DC and many other states.
Prefer to talk? Call (888) 315-3608
Request your no-cost annuity rate review
Share a few details and Ken Orenstein will follow up by phone, video or in person.
Why check annuity rates through an independent broker
Many carriers, one conversation
Ken Orenstein is an independent broker, not tied to one company. Existing carrier relationships include Aetna, Humana and TransAmerica, among other top annuity carriers.
The rate is only part of the story
Caps, participation rates, spreads, crediting methods and surrender schedules all shape what a contract does for you. Each one is reviewed with you.
No direct fee for annuity brokerage
The initial consultation costs you nothing, and annuity brokerage work is paid by commission from the issuing carrier, not by you.
Carrier strength gets checked too
A contract is only as strong as the company behind it. Carrier ratings from A.M. Best, S&P, Moody's and Fitch are part of every comparison.
Advice from a published author
Ken Orenstein is a Federal Retirement Consultant, an Investment Advisor Representative and the author of 'The Informed Fed'.
Meet the way you prefer
Talk by phone, meet virtually, or sit down in person at the Flemington, NJ office.
What shapes the annuity rate you are quoted
There is no single current annuity rate. What a carrier offers depends on the product type, the contract term, your age, the amount you place and the rate environment that week. Two contracts with similar headline numbers can behave very differently once you read the terms.
That is why the review starts with your situation, not a rate sheet. Ken Orenstein pulls current offers from many top carriers, lines up the terms that matter, and walks you through the disclosure forms before anything is placed.
- Fixed annuities and MYGAs with contract terms commonly 3, 5, 7 or 10 years
- Fixed indexed annuities: caps, participation rates, spreads and crediting methods (annual point-to-point, monthly point-to-point, monthly average, monthly sum)
- Index choices such as the S&P 500, Russell 2000, MSCI EAFE and volatility-controlled indexes
- Income rider growth rates and payout multipliers compared across contracts
- Free withdrawal provisions, commonly 10% of contract value a year, matched to your liquidity needs
- Surrender charge schedules compared side by side across competing carriers
- Carrier financial strength reviewed using A.M. Best, S&P, Moody's and Fitch ratings
- 1035 exchange review if you already hold an older annuity contract
What happens after you request a review
You share the basics
Your age, the lump sum you have available, and when you want income to start.
Ken compares current offers
Contracts and terms from many top carriers are lined up against your situation.
You review it in writing
Annuity disclosure forms and surrender schedules are reviewed with you before anything is placed.
Frequently asked questions
What is the current annuity rate right now?
There is no single number. Offers differ by carrier, product type, contract term, your age and the amount you place, and they change often. A no-cost consultation gives you the current offers that fit your situation, side by side.
Is there a minimum amount to place an annuity?
Annuity clients typically have about $250,000 or more available as a deployable lump sum. If you are below that, this practice may not be the right fit for annuity placement.
What does the review cost me?
The initial consultation is no cost. There is no direct fee to you for annuity brokerage; Ken Orenstein is paid a commission by the issuing insurance carrier. Investment advisory work through Brookstone Capital Management is billed as a monthly fee based on assets under management.
Which carriers do you compare?
This is an independent insurance agency representing many of the top annuity carriers. Existing carrier relationships include Aetna, Humana and TransAmerica, among others.
I already own an annuity. Can I move it to a better contract?
That is a common request. A 1035 exchange review looks at your existing contract, its surrender schedule and its terms against current offers, so you can see the full picture before deciding.
Do you work with people outside New Jersey?
Yes. Insurance licensing covers NJ, NY, NC, MD, VA, DC and many other states. Investment advisory is licensed in NJ. Consultations happen by phone, virtually, or in person in Flemington, NJ.
See what annuity contracts look like today
Ask for a no-cost review of current annuity offers for your situation. Send the form or call (888) 315-3608 to speak with Ken Orenstein. Annuities are long-term retirement income contracts and may include caps, restrictions, fees and surrender charges described in the contract.
- Offers from many top carriers, compared in one review
- MYGA terms of 3, 5, 7 and 10 years reviewed together
- No direct fee to you for annuity brokerage work
Prefer to talk? Call (888) 315-3608