Independent fixed annuity brokerage
Fixed Annuity Advice From an Independent NJ Broker
Compare fixed rate annuity and MYGA contracts across many top carriers with Ken Orenstein. No-cost first consultation by phone, video or in person.
- Compare MYGA terms of 3, 5, 7 and 10 years side by side
- Independent broker, many top carriers, not one company
- No direct fee to you; the issuing carrier pays the commission
Independent broker. No direct fee to you for annuity brokerage work.
Prefer to talk? Call (888) 315-3608
Request your no-cost annuity review
Tell us a little about your situation. Ken Orenstein will follow up by phone, video or in person.
Why use an independent fixed annuity broker
Not tied to market swings
A fixed annuity sets an interest rate for the contract period you choose, so the account value does not move with the stock market.
Tax-deferred until you withdraw
Interest builds inside the contract and is taxed when you take money out. We show how that fits the rest of your retirement plan.
Many carriers, one review
Ken Orenstein is an independent broker. He compares contracts across many top carriers instead of offering one company's product.
Terms matched to your timeline
MYGA contracts come in 3, 5, 7 and 10 year terms. We line up surrender schedules and free-withdrawal provisions next to your cash needs.
Carrier strength reviewed
We look at A.M. Best, S&P, Moody's and Fitch ratings of the issuing insurance company, not just the contract terms.
1035 exchange analysis
Already hold an older fixed annuity? A 1035 exchange can move it to a current contract without triggering tax on accumulated gains.
What a fixed annuity is, and who it fits
A fixed annuity is a contract with a life insurance company. It pays a set interest rate for a set period, works much like a bank CD, and grows tax-deferred until you take money out. A Multi-Year Guaranteed Annuity, or MYGA, is the version that locks the rate in for a defined multi-year term.
Ken Orenstein works as an independent broker, so he can compare fixed annuity and MYGA contracts across many top carriers at the time of your review. Annuities are long-term retirement income vehicles, not short-term investments, and contracts may include caps, restrictions, fees and surrender charges. Everything is disclosed in writing before anything is placed.
- Fixed annuity: a set interest rate for a set contract period, with tax-deferred growth
- MYGA terms commonly run 3, 5, 7 or 10 years
- Free withdrawal provisions, often 10% of contract value a year, checked against your liquidity needs
- Surrender charge schedules compared across competing carriers
- Carrier financial strength reviewed using A.M. Best, S&P, Moody's and Fitch ratings
- 1035 exchange review for clients holding older fixed annuity contracts
- Common fit: retirees aged 65 to 73, federal retirees, and lump-sum recipients from a 401(k) rollover, pension buyout or inheritance
- Typical minimum: $250,000 available as a deployable lump sum
What happens after you request a review
Send your details
Share the amount you are looking to place, your ZIP code and when you may need the money or the income.
No-cost consultation
Ken Orenstein reviews your situation by phone, video or in person at the Flemington, NJ office.
Compare contracts in writing
You see carrier options side by side. Disclosure forms and surrender charge schedules are reviewed with you before anything is placed.
Frequently asked questions
What does this cost me?
There is no direct fee to you for annuity brokerage work. Ken Orenstein is paid a commission by the issuing insurance carrier. The contract itself may include caps, restrictions, fees and surrender charges, and those are disclosed before placement.
Is there a minimum amount?
Annuity clients typically have at least $250,000 available as a deployable lump sum. If you are below that, a consultation can still help you look at other retirement planning options.
What rate will I get?
Rates differ by carrier and by term and change over time, so no rate is quoted online. During your review we compare current fixed annuity and MYGA contracts across the carriers available at that moment.
What is the difference between a fixed annuity and a MYGA?
A MYGA is a type of fixed annuity that holds its interest rate for a defined multi-year term, commonly 3, 5, 7 or 10 years. Both protect the account value from market movement and grow tax-deferred.
Can I still reach my money?
Most contracts include a free withdrawal provision, often up to 10% of contract value each year, with surrender charges on amounts above that during the schedule. Annuities are built for long-term retirement income, not short-term needs.
Do you work outside New Jersey?
Yes. Insurance licensing covers NJ, NY, NC, MD, VA, DC and many other states. Consultations happen by phone, virtually, or in person at 203 Main St #122, Flemington, NJ.
Ready to compare fixed annuity contracts?
Send your details and Ken Orenstein will set up a no-cost review by phone, video or at the Flemington, NJ office. Prefer to talk now? Call (888) 315-3608.
- Compare MYGA terms of 3, 5, 7 and 10 years side by side
- Independent broker, many top carriers, not one company
- No direct fee to you; the issuing carrier pays the commission
Prefer to talk? Call (888) 315-3608