Life insurance and annuities are often the largest pieces of a retirement plan, and the least examined. A licensed Noble Gold advisor will audit your existing contract and tell you exactly what it is doing, at no cost.
Reviewed by licensed life and annuity professionals
Licensed life and annuity professionals. Your audit is reviewed by a real advisor, never a call center, and nothing changes on your policy unless you decide it should.
Step 1 of 2
Start my free audit
Tell us where to send your findings. Takes under a minute.
4.9 of 5 client rating
25 plus years in the industry
BBB accredited
Findings back within one business day
The risk of doing nothing
An unreviewed contract is not neutral. It drifts.
Insurance and annuity products are living contracts. Costs, crediting rates, and guarantees move over decades while the paperwork sits in a drawer. A trained professional appraising your contract is the only reliable way to know where you stand.
Policies quietly break down
Universal life contracts priced when interest rates were high can lapse decades early once internal costs climb. Most owners never receive a warning letter they can understand.
Older annuities stop earning
Caps, participation rates, and bonus periods change over time. A contract bought years ago is often crediting a fraction of what today's products offer.
Coverage no longer fits the family
Beneficiaries, mortgages, business partners, and health all change. An unreviewed policy can pay the wrong person, or pay too little to matter.
Surrender windows come and go
Free withdrawal periods and surrender schedules expire on a calendar you did not set. Missing them can cost real money for no reason.
How the audit works
Three steps. That is it.
01
Send us the basics
Your name, date of birth, and contact details, plus your statement if you have it. Under two minutes.
02
A licensed advisor audits it
We read the contract the way an insurance professional does. Costs, credits, riders, and guarantees.
03
You receive a plain answer
Keep it, repair it, or improve it. No jargon, no obligation, and no pressure to change anything.
Choose your review
What would you like audited?
Annuity review audit
We check crediting rates and caps, surrender schedules, income riders, fees, and whether the contract still matches your objective, whether that is income or accumulation.
We review current internal costs and lapse risk, death benefit adequacy, riders, beneficiaries, and whether your health today could earn you a better rate class.
The comments below are illustrative examples of the kinds of findings owners hear during a review. They are composites written for education and are not statements from named clients.
I had the same universal life policy for nineteen years and never opened a statement. The audit showed it was on track to run out of money in my late seventies. I finally understand what I own.
Illustrative client experience. Retired teacher, age 68.
My annuity was still paying the rate it started with. Fifteen minutes on the phone and I had a clear comparison of what my options were, with no push to move anything.
Illustrative client experience. Small business owner, age 61.
The best part was that nobody tried to sell me. They read the contract, explained the surrender schedule in plain words, and told me to keep it.
Illustrative client experience. Retired nurse, age 72.
Common questions
Before you start
Learn what your contract is really doing.
The audit is free, takes two minutes to request, and comes back in plain language.
