Thinking about cashing out your annuity early? Before you do, you need to understand the difference between your "Account Value" and your actual "Surrender Value." In this video, Shawn Plummer from The Annuity Expert breaks down exactly how annuity surrender periods work using a simple apartment lease analogy.

Shawn explains how surrender charges typically decrease over time, what happens to those fees if you pass away (and the rare, dangerous contracts that will penalize your beneficiaries!), and how health waivers can help you access your full account balance without penalties.

📖 Read our full, step-by-step guide on Annuity Surrender Charges here:

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