Your questions, answered.

We're here to help you understand annuities and how they can benefit you.

Revise is a licensed insurance brokerage based in Chicago, IL. We develop and execute all annuity strategies fully in-house for our clients.

A fixed indexed annuity (FIA) is an investment vehicle provided by an insurance company, that offers the opportunity for growth linked to a stock market index, such as the S&P 500 or Nasdaq. Unlike a direct investment in the stock market, these products do not lose money due to market downturns. Instead, they have a 0% floor, meaning your principal is protected from losses. The insurance company credits your account with interest based on the performance of the index.

Revise charges a one-time setup fee for our services. Unlike other advisors, we don't charge any ongoing fees. Revise receives additional compensation directly from the insurer.

All customers have a no-fee option. Some annuity products offer enhanced participation via a rider fee that may be advantageous to elect. These fees are commonly 1% but can be as high as 1.5%. We only recommend paying fees that may provide higher overall returns. We always fully disclose any contract charges or rider costs before you commit, so there are no surprises.

FIAs are designed as long-term investments and typically have a 10-year surrender period. This is the length of time you should plan on keeping the majority of your capital commitment in the annuity product. Most FIA products include a penalty-free withdrawal provision, typically 10% per year.

In most cases, yes. This is known as a flexible premium.

All FIAs have a free-look period, typically between 10 and 30 days. If you change your mind, you can cancel the contract and receive a full refund of your premium within that free-look period.

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Insurance products offered through Revise Insurance Group LLC (domicile IL #3002790618; CA d/b/a Revise Insurance Solutions #6012761).

Revise Insurance Group LLC is NOT a registered investment adviser and does NOT provide advice regarding the purchase, sale, or holding of securities.

Any references to “portfolio,” “return,” or “performance” on this site relate solely to the performance of insurance products—primarily fixed indexed annuities (“FIAs”)—and are illustrative only.

FIAs are insurance contracts, not bank deposits; they are not FDIC- or NCUA-insured, and guarantees are subject to the claims-paying ability of the issuing insurer. Product values may be reduced by surrender charges, market-value adjustments, or other contract provisions. Read the policy and all riders carefully.

Content on this site is for general educational purposes and should not be construed as personalized investment, legal, or tax advice. Past or hypothetical performance does not guarantee future results.

Logos or trademarks of third-party publications (e.g., Forbes®, Inc.®, MarketWatch®) are the property of their respective owners and do not imply endorsement. Services are offered only where Revise Insurance Group LLC is properly licensed; not all products are available in every state.