1:"$Sreact.fragment"
2:I[5271,["177","static/chunks/app/layout-7af274a06c9f17a0.js"],""]
4:I[31,[],""]
5:I[2608,[],""]
a:I[7202,[],""]
:HL["/_next/static/media/13971731025ec697-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/media/97ac91773d3121b2-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/media/d9c8a48aa27d17bd-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/css/5ec60547f187d3ad.css","style"]
3:T7a2,
(function () {
  var host = window.location.hostname;
  if (host !== "onlineannuityrates.com" && host !== "www.onlineannuityrates.com") return;
  if (window.posthog && window.posthog.__loaded) return;

  !function(t,e){var o,n,p,r;e.__SV||(window.posthog&&window.posthog.__loaded)||(window.posthog=e,e._i=[],e.init=function(i,s,a){function g(t,e){var o=e.split(".");2==o.length&&(t=t[o[0]],e=o[1]),t[e]=function(){t.push([e].concat(Array.prototype.slice.call(arguments,0)))}}(p=t.createElement("script")).type="text/javascript",p.crossOrigin="anonymous",p.async=!0,p.src=s.api_host.replace(".i.posthog.com","-assets.i.posthog.com")+"/static/array.js",(r=t.getElementsByTagName("script")[0]).parentNode.insertBefore(p,r);var u=e;for(void 0!==a?u=e[a]=[]:a="posthog",u.people=u.people||[],u.toString=function(t){var e="posthog";return"posthog"!==a&&(e+="."+a),t||(e+=" (stub)"),e},u.people.toString=function(){return u.toString(1)+".people (stub)"},o="capture register register_once register_for_session unregister unregister_for_session identify setPersonProperties group resetGroups reset get_distinct_id get_session_id opt_in_capturing opt_out_capturing has_opted_in_capturing has_opted_out_capturing".split(" "),n=0;n<o.length;n++)g(u,o[n]);e._i.push([i,s,a])},e.__SV=1)}(document,window.posthog||[]);

  window.posthog.init("phc_tj4oAeYbkiDAy9Amav6zQw523w9PBt6wDpNpfTbsDbm5", {
    api_host: "https://us.i.posthog.com",
    defaults: "2026-05-30",
    persistence: "sessionStorage",
    person_profiles: "identified_only",
    capture_pageview: "history_change",
    capture_pageleave: true,
    capture_performance: { web_vitals: true, network_timing: false },
    disable_session_recording: false,
    enable_recording_console_log: false,
    session_recording: {
      maskAllInputs: true,
      maskTextClass: "ph-mask",
      blockClass: "ph-no-capture",
      captureCanvas: { recordCanvas: false }
    },
    disable_surveys: true
  });
})();
0:{"P":null,"b":"Dn8AKpnFmZWfPo0vEvp_d","p":"","c":["","buyer-protection"],"i":false,"f":[[["",{"children":["buyer-protection",{"children":["__PAGE__",{}]}]},"$undefined","$undefined",true],["",["$","$1","c",{"children":[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/css/5ec60547f187d3ad.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}]],[["$","$L2",null,{"id":"posthog-analytics","strategy":"afterInteractive","dangerouslySetInnerHTML":{"__html":"$3"}}],["$","html",null,{"lang":"en","children":["$","body",null,{"children":[["$","header",null,{"className":"topbar","children":[["$","strong",null,{"children":"Online Annuity Rates"}],["$","span",null,{"children":"onlineannuityrates.com"}]]}],["$","div",null,{"className":"__variable_0eeb07 __variable_064a94","children":["$","$L4",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L5",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":404}],"$L6"]}]}]],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]}]]}]}]]]}],{"children":["buyer-protection","$L7",{"children":["__PAGE__","$L8",{},null,false]},null,false]},null,false],"$L9",false]],"m":"$undefined","G":["$a",[]],"s":false,"S":true}
b:I[8140,["952","static/chunks/952-32b9d1adcc6e67ab.js","534","static/chunks/app/buyer-protection/page-878f1f4e7eb967b5.js"],"PrimaryNavigation"]
c:I[2614,["952","static/chunks/952-32b9d1adcc6e67ab.js","534","static/chunks/app/buyer-protection/page-878f1f4e7eb967b5.js"],""]
d:I[1510,[],"OutletBoundary"]
f:I[1163,[],"AsyncMetadataOutlet"]
11:I[1510,[],"ViewportBoundary"]
13:I[1510,[],"MetadataBoundary"]
14:"$Sreact.suspense"
6:["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]
7:["$","$1","c",{"children":[null,["$","$L4",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L5",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
8:["$","$1","c",{"children":[["$","main",null,{"className":"site-shell","children":[["$","$Lb",null,{}],["$","header",null,{"className":"page-hero","children":[["$","p",null,{"className":"eyebrow","children":"Buyer protection"}],["$","h1",null,{"children":"Verify the seller, the story, and the paperwork"}],["$","p",null,{"children":"A careful purchase process leaves time to check the people involved, compare the explanation with the contract, and keep a record of what was represented."}]]}],["$","section",null,{"className":"section guide-grid","aria-label":"Verify the seller, the story, and the paperwork checklist","children":[["$","article","Verify independently",{"className":"guide-card","children":[["$","span",null,{"aria-hidden":"true","children":["0",1]}],["$","h2",null,{"children":"Verify independently"}],["$","p",null,{"children":"Use official state insurance and securities-regulator resources, as applicable, to check a seller's license and disciplinary history. Do not rely only on a badge, business card, or provided link."}]]}],["$","article","Ask about compensation",{"className":"guide-card","children":[["$","span",null,{"aria-hidden":"true","children":["0",2]}],["$","h2",null,{"children":"Ask about compensation"}],["$","p",null,{"children":"Ask in writing who pays the seller, what compensation is connected to the transaction, and whether alternatives would pay differently. Compensation is one factor in evaluating a recommendation."}]]}],["$","article","Test the explanation",{"className":"guide-card","children":[["$","span",null,{"aria-hidden":"true","children":["0",3]}],["$","h2",null,{"children":"Test the explanation"}],["$","p",null,{"children":"Ask which statements are guaranteed, which are illustrated, what can reduce value or access, and where each point appears in the contract or disclosure. Treat urgency and secrecy as reasons to slow down."}]]}],["$","article","Build a complaint record",{"className":"guide-card","children":[["$","span",null,{"aria-hidden":"true","children":["0",4]}],["$","h2",null,{"children":"Build a complaint record"}],["$","p",null,{"children":"Keep applications, illustrations, disclosures, emails, notes, and insurer correspondence. If a problem arises, start with the insurer's written complaint process and the appropriate official regulator."}]]}]]}],["$","aside",null,{"className":"owner-note","children":[["$","strong",null,{"children":"Contract-first rule"}],["$","p",null,{"children":"Your issued contract and the insurer's current records control. Ask for contract-specific information in writing before acting."}]]}],["$","footer",null,{"className":"site-footer","children":[["$","nav",null,{"className":"footer-nav","aria-label":"Editorial and company information","children":[["$","$Lc",null,{"href":"/about","children":"About"}],["$","$Lc",null,{"href":"/cite-us","children":"Cite Us"}],["$","$Lc",null,{"href":"/press","children":"Press"}],["$","$Lc",null,{"href":"/editorial-standards","children":"Editorial Standards"}]]}],["$","p",null,{"className":"disclaimer","children":"Educational information only—not financial, investment, tax, or legal advice. Contract terms and insurer records control contract-specific facts."}],["$","p",null,{"children":["© ",2026," Online Annuity Rates."]}]]}]]}],null,["$","$Ld",null,{"children":["$Le",["$","$Lf",null,{"promise":"$@10"}]]}]]}]
9:["$","$1","h",{"children":[null,[["$","$L11",null,{"children":"$L12"}],["$","meta",null,{"name":"next-size-adjust","content":""}]],["$","$L13",null,{"children":["$","div",null,{"hidden":true,"children":["$","$14",null,{"fallback":null,"children":"$L15"}]}]}]]}]
12:[["$","meta","0",{"charSet":"utf-8"}],["$","meta","1",{"name":"viewport","content":"width=device-width, initial-scale=1"}]]
e:null
16:I[6883,[],"IconMark"]
10:{"metadata":[["$","title","0",{"children":"Annuity Buyer Protection | Online Annuity Rates"}],["$","meta","1",{"name":"description","content":"A documentation and verification checklist for annuity sales conversations and consumer complaints."}],["$","meta","2",{"name":"robots","content":"index, follow"}],["$","link","3",{"rel":"canonical","href":"https://onlineannuityrates.com/buyer-protection"}],["$","meta","4",{"property":"og:title","content":"Online Annuity Rates"}],["$","meta","5",{"property":"og:description","content":"The annuity owner's manual for contract safety, ownership, exit mechanics, and buyer protection."}],["$","meta","6",{"property":"og:url","content":"https://onlineannuityrates.com"}],["$","meta","7",{"property":"og:site_name","content":"Online Annuity Rates"}],["$","meta","8",{"property":"og:image","content":"https://onlineannuityrates.com/og-card.png"}],["$","meta","9",{"property":"og:image:width","content":"1200"}],["$","meta","10",{"property":"og:image:height","content":"630"}],["$","meta","11",{"property":"og:image:alt","content":"Online Annuity Rates — the annuity owner's manual"}],["$","meta","12",{"property":"og:type","content":"website"}],["$","meta","13",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","14",{"name":"twitter:title","content":"Online Annuity Rates"}],["$","meta","15",{"name":"twitter:description","content":"The annuity owner's manual for contract safety, ownership, exit mechanics, and buyer protection."}],["$","meta","16",{"name":"twitter:image","content":"https://onlineannuityrates.com/og-card.png"}],["$","link","17",{"rel":"icon","href":"/icon.svg","type":"image/svg+xml"}],["$","link","18",{"rel":"apple-touch-icon","href":"/apple-touch-icon.png","sizes":"180x180","type":"image/png"}],["$","$L16","19",{}]],"error":null,"digest":"$undefined"}
15:"$10:metadata"
