ENCOREFamily Life Insurance SolutionsEncore Family Life Insurance Solutions

Annuity & IUL Replacement Reviews

Understand What You Have Before Deciding What Comes Next.

Annuity and IUL discovery — Encore Family Life Insurance Solutions provides specialized review of existing annuity and life insurance contracts when a replacement is being considered. The review process is designed to identify material differences, potential advantages, tradeoffs, and possible consequences before a decision is made.

Request a Complimentary Replacement Review

Replacement Disclosure

Replacing an existing life insurance policy or annuity may involve surrender charges, new surrender periods, changes in guarantees or benefits, loss of existing features or riders, additional costs, tax considerations and other consequences. A replacement review does not mean a replacement will be recommended. Any proposed replacement is subject to applicable state requirements, carrier rules, required disclosures and an individual review of the circumstances. Product features and guarantees vary by insurer and contract.

Specialized Replacement Review

Annuity Replacement Review

01

Existing Contract Structure

  • Current contract value
  • Death benefits
02

Charges & Surrender Considerations

  • Surrender charges
  • Remaining surrender period
  • New surrender period
03

Guarantees & Benefits

  • Existing guarantees
  • Income features and riders
04

Liquidity & Access

  • Liquidity
05

Proposed Replacement Differences

  • Proposed contract differences
  • Potential benefits
06

Potential Tradeoffs

  • Potential tradeoffs
Request an Annuity Replacement Review

Complex Replacement Review

IUL / Life Insurance Replacement Review

01

Existing Policy Structure

  • Existing death benefit
  • Policy type
  • Premium / funding structure
02

Charges & Surrender Considerations

  • Policy charges
  • Surrender values
03

Guarantees & Benefits

  • Existing guarantees
  • Riders
04

Cash Value & Access

  • Cash value
05

Proposed Replacement Differences

  • Proposed policy differences
  • Potential benefits
06

Potential Tradeoffs

  • Potential underwriting considerations
  • Potential contestability considerations
  • Potential tradeoffs
Request an IUL / Life Replacement Review

Complimentary Replacement Review

Considering replacing an existing annuity or indexed universal life insurance policy? Encore can review the existing contract alongside the proposed strategy to help identify important differences before a decision is made.

A review does not mean a replacement will be recommended. In some situations, maintaining an existing policy or contract may be the more appropriate course.

A complimentary review does not obligate you to purchase or replace any insurance product or annuity. If you later purchase an insurance product through Encore or one of its licensed insurance professionals, Encore and/or the licensed professional may receive compensation related to that transaction.

About the existing contract or policy

Please do not include Social Security numbers, policy or account numbers, banking information, medical records, or government ID numbers.

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Insurance Agent Contact Notice

By submitting this request, you understand that a licensed insurance agent may contact you regarding the insurance-related information or review you requested.

Encore Family Life Insurance Solutions will use the information you provide to respond to your request and coordinate the next step. A properly licensed insurance professional may contact you regarding an insurance inquiry. Please review our Website Privacy Policy and, for insurance inquiries, our Insurance Privacy Notice. Submitting this form does not enroll you in recurring promotional email or text messages or authorize artificial, prerecorded, or AI-generated voice marketing calls.

Encore Family Life Insurance Solutions · California-Licensed Independent Insurance Agency · California Insurance License #6009388. Insurance products and services are available only where Encore and the responsible insurance professional are properly licensed, authorized, and appointed. Requests from other states are reviewed individually without a promise of service.

Replacement Disclosure

Replacing an existing life insurance policy or annuity may involve surrender charges, new surrender periods, changes in guarantees or benefits, loss of existing features or riders, additional costs, tax considerations and other consequences. A replacement review does not mean a replacement will be recommended. Any proposed replacement is subject to applicable state requirements, carrier rules, required disclosures and an individual review of the circumstances. Product features and guarantees vary by insurer and contract.