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About Avenew & DPL
Avenew is a platform built by DPL Financial Partners that gives individual investors and financial advisors direct access to commission-free annuities and tools to find the right product to meet a financial planning goal. Using Avenew, you can explore, compare and apply for low-cost solutions for guaranteed income, principal protection, and tax-deferred growth — all with transparent pricing and no sales commissions.
DPL Financial Partners is the leading provider of commission-free annuity and insurance solutions for fiduciary financial advisors. Our platform for advisors is used by thousands of advisors across the country to bring commission-free solutions to their clients. DPL also makes the same low-cost, commission-free product marketplace and technology and we built for advisors available to individuals who are looking for efficient, transparent solutions for guaranteed income and protection. Our goal is to lower product costs to save you money and help you make informed, confident decisions for your retirement.
Unlike traditional insurance platforms, Avenew provides access to a marketplace of low-cost, commission-free products and tools to explore, compare, and apply for them. You get direct access to products from top-rated insurance companies, simple tools for comparison and analysis, and support when you need it — without sales pressure or hidden fees.
Avenew offers solutions from many of the nation’s top-rated insurance carriers, giving you a wide range of product choices for guaranteed income, protection, and growth.
Commission-Free Annuities
A commission-free annuity is a new generation of products that are priced without sales commissions typical of traditional annuities. By removing commissions, product costs can be reduced so more of your money stays invested and working for you. Commission-free annuities still offer the same key benefits, like guaranteed income, protection, and growth potential, but at a lower cost.
Through Avenew, you can access a wide range of commission-free annuities, including:
- Fixed Annuities (including Multi-Year Guaranteed Annuities--MYGA)
- Variable Annuities (VA)
- Fixed Indexed Annuities (FIA)
- Registered Index-Linked Annuities (RILA)
Additionally, DPL offers life insurance and long-term care solutions. All of these solutions are designed to support goals in a financial plan.
Commission-free annuities can be a great fit for individuals who want guaranteed income, principal protection, or tax-deferred growth—without paying high fees. They’re especially appealing to those who value transparency and want recommendations that are based on what’s best for their goals and needs, without the sales commission potentially influencing the recommendation.
No. We work directly with the insurance carrier, so you don’t need to work with an insurance agent or hold any licenses.
Account Setup & Login
Your Avenew account gives you access to tools that help you compare annuities, explore income options, and see how different products can support your financial goals. You can review transparent pricing, estimate retirement income, and apply for products from top-rated insurance carriers — all in one secure, easy-to-use platform.
Yes. Once you create an account, you can log in anytime to track your applications, view policy details, and manage your information securely. Your personalized dashboard keeps everything organized and easy to access.
Yes. If you’d like professional guidance, simply check a box during the application process to be connected with a fiduciary advisor who partners with Avenew’s parent company, DPL Financial Partners. Your personal information will remain private unless you choose to share it. If you would like an advisor after the registration form, contact us.
Avenew’s support team is here to help you every step of the way. Whether you have questions about your account, need assistance applying for a product, or want to better understand your options, you can reach out anytime. You’ll also find helpful guides, videos, and resources designed to make your financial decisions simpler and more confident.
Application & Next Steps
Getting started is easy. Avenew’s tools enable you to compare your existing annuity to commission-free options, find products to meet an income need, and explore solutions for principal protection and growth. You can review products, see transparent pricing, and start an application — all in one place.
If you’re looking for a simple, transparent way to explore annuities and insurance solutions without sales pressure or commissions, Avenew may be a great fit. You can see how different products align with your retirement goals and get a clear picture of potential income and benefits before making any decisions. It's free to use Avenew -- there is no obligation to purchase.
Avenew is designed to be simple and intuitive, but you’re never on your own. You’ll find built-in guides and tutorials to help you navigate the platform. If you’d like extra help, our support team is available to answer questions, walk you through next steps, or connect you with a fiduciary advisor for professional guidance.
After you click “Apply Now,” you’ll create a secure Avenew account to start your digital application. From there, a DPL Consultant will reach out within a few business days to confirm details, answer questions, and guide you through the process. You can log in anytime to check your application status or manage your information.
Privacy & Security
Your security is our priority. DPL uses advanced encryption, secure authentication, and continuous monitoring to keep your personal and financial information safe. We follow strict industry standards and privacy regulations to ensure your data stays protected.
Only you have access to your personal account. Advisors do not have visibility into your account or financial details unless you choose to share them. This ensures your information remains private and under your control at all times. Read our Privacy Policy for more information.
When you use DPL’s tools and click “Apply Now,” you’ll be prompted to create a secure account to manage your information and applications. If you’d like help from a financial advisor, you can check a box to be connected with one — but your personal data will remain protected until you choose to engage with that advisor.
Yes. DPL fully complies with all federal and state privacy and data protection regulations. Our systems and processes are regularly reviewed to maintain the highest standards of confidentiality and data security.
Fees & Pricing
No. Using Avenew to explore products, compare options, and run the tools is completely free for individuals. There is no membership fee and no charge for accessing the tools, recommendations, and applications.
No. Avenew is built around transparency. Any costs or fees are clearly disclosed in the product details, so you know exactly what you’re paying.
DPL is paid a product administration fee by the insurance carriers to provide technical and operational support for their products on the Avenew platform. DPL works closely with our carrier partners to bring commission-free products to market that are lower cost and more transparent than commissioned products.
Avenew gives you access to a curated marketplace products from top-rated insurance carriers. Using the tools, you’ll can find products that best meet your goals and needs. While you can explore other products elsewhere, Avenew makes it easy to find, compare, and apply for competitive, commission-free solutions all in one place.
What people ask most often.
An annuity is an insurance product that provides a guaranteed income stream, either for a set period or for life. You pay a lump sum or series of premiums to an insurance company, and in return, you receive regular payments. Annuities are often referred to as a “personal pension” but unlike traditional pensions, annuities offer more flexibility, giving you control over how your retirement income is structured.
Annuities can offer a lifetime income guarantee, which ensures you receive regular payments for as long as you live, no matter how long your retirement lasts. Annuities can provide what is sometimes referred to as an income "floor" for your retirement income -- a guaranteed stream of income used to cover essential expenses that doesn't rely on market performance.
A commission-free annuity is an annuity that does not have upfront sales commissions in the pricing. These products are not sold through the traditional commissioned sales model (a sales person sells the product and gets paid a commission for making the sale). This modern design can significantly reduce product costs, potentially improve benefits, and remove any potential conflict of interest created by the sales incentive.
Traditional, commissioned annuities are sold by agents who are paid by insurance companies for product sales. These sales commissions are baked into the price of the products and can increase overall product costs for the purchaser. Commission-free annuities, on the other hand, do not include these traditional sales commissions in the pricing. This means product costs are typically lower and other benefits may be enhanced, like higher income payout rates and low or no surrender charges. Fiduciary, fee-only advisors cannot use commissioned annuities because they don't sell products for commissions. With commission-free annuities, fee-only advisors can bring the benefits of annuities to clients' financial plans.
Fiduciary advisors are legally obligated to act in their clients’ best interest. These advisors are compensated by clients for providing financial advice rather than by insurance companies to sell products. By using commission-free products, fiduciary advisors are able to provide solutions based purely on your needs, without any potential conflict of interest created by a sales commission. This approach ensures transparent, conflict-free advice that focuses on your long-term financial goals.
Commission-free annuities are typically lower cost and offer greater transparency, liquidity, and flexibility than commissioned products. Depending on the type of product and features you choose, an commission-free annuity can provide:
- Guaranteed income: A predictable stream of income during retirement
- Principal protection: Complete or partial protection of your initial investment from loss due to market volatility
- Tax-deferred growth: Earnings grow tax-deferred until you begin taking withdrawals, allowing your money to compound over time
DPL Financial Partners works with leading insurance companies to bring low-cost, commission-free annuities and insurance products to market for financial advisors and consumers. By eliminating sales commissions and repricing products, it's possible to lower fees and often improve benefits, like increased income payout rates and low or no surrender charges.
With DPL's Avenew platform, it's easy to find a commission-free product that meets a goal for guaranteed income, principal protection or protected growth and make an informed decision about whether an annuity makes sense in your financial plan.
A 1035 exchange is reference to Section 1035 of the Internal Revenue Code that allows for a tax-free transfer from one annuity policy to another. This tax-free exchange process give you the ability to move your money from one product to another product that is better aligned with your financial goals while keeping your money growing in a tax-deferred vehicle with protection.
Most annuity exchanges take a few weeks to complete. The exact timing depends on the insurance companies involved, but the goal is a smooth transition, so your income guarantees and investment growth remain uninterrupted.
Individuals often want to exchange a product they currently own for another product that offers lower costs and features that better align with their goals, like higher guaranteed income payouts, improved investment options, or greater liquidity. It’s a strategic move to optimize retirement planning while keeping your money in a product with tax-deferral. The exchange process is referred to as a '1035 exchange' in reference to Section 1035 of the Internal Revenue Code that lets you swap products without paying immediate taxes on the investment.
Whether or not you can exchange your current annuity without incurring charges will depend on your annuity's surrender schedule. Using Avenew, you can run a detailed comparison of your current annuity to a commission-free annuity and see if the exchange makes financial sense. If the comparison indicates your current annuity is still in surrender and there would be penalty charges associated with the exchange, we will tell you.
Long-term care (LTC) coverage helps protect your retirement assets from the high costs of future care needs. Long-term care planning is an important part of retirement planning--helping you maintain income stability, safeguard your principal, and have the flexibility to choose where and how you receive care — without putting financial strain on your family or portfolio.
Your income and protection needs are impacted by your lifestyle, retirement goals, and other income sources. Through Avenew, you can discover how much guaranteed income you may need to cover essential expenses and find an annuity that efficiently meets that income goal.
Yes. Some annuities offer long-term care benefits or enhanced payout options that offer more income to help offset personal care costs.
Yes. Using Avenew, individuals can independently explore and purchase commission-free annuities. The platform enables you to find and compare a wide range of annuities from leading insurance companies to meet a goal for guaranteed income, principal protection, and tax-deferred growth, and apply for products directly online.
If you already work with a financial advisor, they can access DPL's tools to help you evaluate solutions and integrate commission-free annuities into your financial plan. DPL partners with thousands of fiduciary advisors who use our products and tools to provide low-cost, commission-free retirement solutions to clients.
Yes. If you are interested in working with a fee-based, fiduciary advisor, DPL can connect you with advisors in our network. We work with thousands of financial advisors across the country who are committed to serving clients' best interests with fiduciary advice and financial planning solutions.
Once you click “Apply Now”, you will register for the DPL's Avenew platform and be able to complete and submit a digital application for the product you selected.
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