Michael Fox — Licensed Insurance Advisor
Michael Fox Insurance
Phone: 856-676-9358
Email: michaelfox13@gmail.com
michaelfoxinsurance.online
10 Annuity Objections — Busted
Printed June 18, 2026
The 10 Things People Believe About Annuities — and the math that breaks every one of them.
"Too expensive." "I'd lose access." "They keep your money when you die." Almost every annuity objection is a story leftover from a different product, a different decade, or a different agent. Click each one below and see the receipts.
Fixed and indexed annuities have $0 in explicit annual fees. The 'high fee' reputation comes from variable annuities — a different product entirely.
A 20-minute call replaces every assumption above with your actual age, account balance, and income goals.
Book the call"Annuities are expensive" comes from the variable annuity world. Fixed and indexed annuities have $0 in explicit annual fees — the insurance company makes its margin on the spread, not by billing you. Optional income riders run ~0.95–1.25%, and you only pay if you choose one.
The right annuity isn't a product — it's a paycheck you can't outlive.
If even one of these objections has been keeping guaranteed income off the table, let's spend 20 minutes replacing the assumption with a real illustration.
Important — educational illustration only
The figures shown are hypothetical and produced by a simplified model for education and discussion only. They are not a quote, projection, recommendation, or guarantee of future results. Actual outcomes vary based on your individual circumstances — including age, health, income, tax filing status, state of residence, time horizon, market performance, product design, carrier underwriting, and changes in tax law. Tax-advantaged strategies referenced (e.g., Roth conversions, cash value loans, qualified plan withdrawals) carry rules and consequences that depend on your specific situation; cash value life insurance assumes the contract is properly structured (non-MEC) and remains in force. Nothing on this page constitutes tax, legal, accounting, or individualized investment advice. Please consult your own licensed tax professional, attorney, and financial advisor before acting on any concept presented here.