About us

Why CAA exists

We got tired of how the annuity industry treats people. So we built the Certified Annuity Advisor designation, and a review, that put a verifiable advisor on your side of the table. The premise is old-fashioned: annuities are neither good nor bad, they do one thing efficiently, and the only honest question is whether that thing fits you.

Speak with a CAA What is a CAA?

$0The review is always free, whatever you decide

100%Every CAA verifiable by name in the public directory

OftenHow frequently the honest answer is: you do not need one

The problem we set out to fix

Annuities are a big decision buried under bad marketing.

Buying an annuity is one of the most consequential financial decisions a person makes, and it is wrapped in some of the worst sales practices in finance. Stock photos of couples on docks. Cap rates hidden three clicks deep. Countdown timers on a lifetime contract.

Pressure over patience. People get rushed into the wrong product by whoever spent the most on ads that week.
Anonymity over accountability. The person advising you is often impossible to look up by name.
Upside without the trade-offs. The surrender period and the fees only surface after you have signed.

A Certified Annuity Advisor seated in a warm, lamp-lit office, reviewing paperwork with an unhurried, attentive posture — Advice that feels like a sharp, honest friend.

Our mission

We think it should feel like getting advice from a sharp, honest friend who happens to know this stuff cold. A review.

What the CAA is

Three things in one place

The Certified Annuity Advisor designation is three things at once: a credential, a standard, and a directory. Together they turn "trust me" into "check for yourself."

A verifiable designation

Advisors who complete annuity-specific training, agree to a code of conduct, and are listed by name in a public directory. The letters point to a real record you can search, not a badge anyone can paste on a website.

A review-before-you-buy standard

The premise is simple. Before you sign a contract you cannot easily undo, a credentialed, checkable advisor sits on your side of the table and reads the fine print with you, in plain numbers.

A public directory

A Find a CAA directory so you can confirm exactly who you are talking to, by name, before you ever share a phone number or a dollar figure.

Read more on what a CAA is, why to review first, and browse the Find a CAA directory.

Our standard, in the open

What a CAA review is, and what it is not

A standard you cannot see is not a standard. This is the difference this annuity designation is built to protect, side by side.

It is not

A sales presentation

A sales presentation dressed up as a second opinion.
A pitch that hides the trade-offs three clicks deep.
A foregone conclusion that you should buy today.
An anonymous "our team" you cannot look up.

A CAA review is

A second read you can trust

Education. It explains what you actually own or are being sold.
A plain reading of the surrender schedule, term, rate, and fees.
An honest answer, including "you do not need one at all."
A named advisor you can verify before you talk numbers.

A CAA is a licensed insurance professional, compensated only if you later choose to purchase a product. We are transparent about exactly how on our how a CAA is paid page, and our editorial policy holds the content to the same bar, because a standard you cannot see is not a standard.

The human close

Talk it through with someone who will tell you the truth.

Plain English, and the decision stays yours. A Certified Annuity Advisor will review any annuity you are considering, or tell you plainly that you do not need one.

(866) 621-7146

Call answered by a licensed advisor, with a follow-up in under 60 seconds during business hours.