About Hans Goldstein
Independent licensed insurance producer. 300+ annuity + LTC reviews. No carrier-paid placements.
Who I am
I'm Hans Goldstein — an independent retirement-income specialist licensed across multiple states. I built this site because most annuity buyers get one quote from one agent and have no way to know if they're being shown the market or just one carrier's product. The annuity industry is full of pressure tactics, headline-rate traps, and rider-fee opacity. I write honest reviews of every major product so buyers can make informed decisions.
Credentials
| NPN (National Producer Number) | 20602398 |
| California Life License | #4163961 |
| E&O Insurance | $1M / $3M policy, current |
| Carrier appointments | Multiple A-rated carriers across MYGA, FIA, SPIA, hybrid LTC |
| Families helped | 700+ |
| Specialty | Annuity income strategy + Structured Installment Sales (separate practice at goldsteinco.net) |
How I work
Most agents are captive — they can only sell their employer's products (Bankers Life, NY Life, Mass Mutual career agents, etc.). I'm independent. When you call me, I pull quotes from 4-7 different carriers and show you the actual comparison. No bias toward any single carrier.
I get paid commission on what I place — that's how independent producers work — but unlike captive agents, I'm not steered by employer pressure. I place where it actually fits the client.
My approach to reviews
Every review on this site follows the same template:
- Independent third-party ratings (AM Best, S&P, Moody's, COMDEX)
- Goldstein Complexity Index — my 5-dimension complexity scorecard
- Real specs — surrender schedule, caps, rider fees, free withdrawal
- Honest cons — what the brochure doesn't tell you
- "When this loses" — alternative products that may fit better
- No carrier-paid placements — I don't take money to feature products
What I cover
The review library covers:
- Multi-Year Guaranteed Annuities (MYGAs) — 3/5/7/10-year terms across 30+ carriers
- Fixed Indexed Annuities (FIAs) — accumulation + income rider variants
- Single Premium Immediate Annuities (SPIAs)
- Deferred Income Annuities (DIAs)
- Registered Index-Linked Annuities (RILAs)
- Hybrid Life + Long-Term Care
- QLACs (Qualified Longevity Annuity Contracts)
- Variable Annuities
Plus persona-based guides for every common retirement situation: best annuity at age 50, 55, 60, 65, 70, 75, 80; for couples; for widows; for divorced women; for high earners; for business owners after sale; for pension buyout decisions.
Get a second opinion
Have you been pitched an annuity? Before signing anything, get an independent comparison. I'll review the proposal, run carrier ratings, check for traps, and show you 2-3 alternative products from different carriers. No charge, no pressure.
📞 Call 213-414-2808 📧 Send a Message
Disclosures
Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market. Reviews on this site reflect publicly available product materials and approximate rates as of the date stated. Annuity rates, caps, participation rates, payout factors, and product structures change frequently. Always confirm current values against the most recent carrier disclosure document before purchasing. Articles on this site are general information for educational purposes; not personalized recommendations. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; not suitable for funds you may need before the end of the surrender period.