What values should I request before choosing an annuity with surrender or income features?

For this contract based question, request an in force illustration, benefit schedule, or written policy summary before changing a policy based on a verbal recommendation. Base the review on the policy language and the most recent illustration or benefit summary, and get the licensed professional's written explanation of any guarantee, exclusion, surrender restriction, or beneficiary provision that could affect the decision. When the contract terms are examined, any exchange should compare the old contract's guarantees with the new contract's surrender period, costs, crediting rules, and insurer strength.