Variable annuities make up nearly 60% of all annuities sold — and a lot of them have been sitting in force for 10, 15, even 20+ years. So what do you do with one now?

In this episode, Bryan is joined by Nate, a former variable annuity wholesaler with nearly 20 years of industry experience. Together, they break down the complexity behind variable annuities — from mortality and expense charges to living benefit riders and death benefits — and walk through a real case study showing how an old variable annuity can still be put to work in retirement.

Whether you're wondering if you should replace it, keep it, or find a new purpose for it, this episode gives you the framework to think it through clearly.

In this episode:

• Why variable annuities are the most complex product on the market
• The fees people hate — and when they might still make sense
• How to evaluate an in-force contract years after purchase
• A real simulation showing how to make an old variable annuity work in retirement