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Avenew is a consumer platform built by DPL Financial Partners that gives individual investors direct access to commission-free annuities and tools to find the right product for their needs. The platform helps you explore and compare solutions for guaranteed income, principal protection, and tax-deferred growth to find products that align with your financial goals — all with transparent pricing and no sales commissions.
DPL Financial Partners is the parent company behind Avenew and the leading provider of commission-free insurance and annuity solutions for fiduciary financial advisors. DPL created Avenew to make those same low-cost, transparent products available directly to individual investors.
Unlike traditional insurance platforms, Avenew eliminates sales commissions and conflicts of interest. You get direct access to top-rated products, simple tools for comparison and analysis, and support when you need it — without sales pressure or hidden fees.
Avenew offers solutions from more than 20 of the nation’s top-rated insurance carriers, giving you a wide range of product choices for guaranteed income, protection, and growth.
Visit our Product Page to view the full list of carriers and available solutions.
A commission-free annuity is a modern version and removes the upfront commissions that have typically defined traditional annuities. By removing those fees, more of your money stays invested and working for you. These 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 annuities and insurance products, including:
- Fixed Annuities (like MYGAs)
- Variable Annuities
- Fixed Indexed Annuities
Additionally, DPL offers life insurance and long-term care coverage. All of these solutions are designed to support client goals like guaranteed income, protection, and tax efficiency.
Commission-Free annuities can be a great fit for investors who want guaranteed income, principal protection, or tax-deferred growth—without paying unnecessary fees. They’re especially appealing to those who value transparency and want their advisors’ recommendations to be based on what’s best for them, not on commissions.
No. We work directly with the insurance carrier, so you don’t need to work with an insurance agent or hold any licenses.
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.
Getting started is easy. Simply create an account to access Avenew’s tools that help you compare annuities, estimate guaranteed income, and explore options for retirement 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.
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 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.
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.
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.
No. Using Avenew to explore products, compare options, and run the tools is completely free for consumers. There is no membership fee and no charge for accessing the platform.
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.
Avenew, through its parent company DPL, is paid by the insurance carriers featured on the platform — never from your personal money. These partnerships allow us to offer commission-free products and transparent solutions, so more of your funds stay invested in your retirement goals.
Avenew gives you access to a curated marketplace of 25+ top-rated insurance carriers. After using the tools, you’ll see the options that best match 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.
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.
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 include fees paid to the sales person for selling the product. These sales commissions can be very large 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 no surrender charges.
Fiduciary advisors are legally obligated to act in their clients’ best interest. These advisors earn money by providing financial advice rather than by selling products. By using commission-free products, they 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 offer several key benefits for retirement planning:
- 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 carriers to bring 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 no surrender charges.
With Avenew, it's easy to find a commission-free product that meets a goal for guaranteed income, principal protection or protected growth to determine if an annuity makes sense in your financial plan.
A 1035 exchange is an IRS provision that allows for a tax-free transfer from one annuity policy to another. This gives you flexibility in reviewing and choosing an annuity solution that best aligns with your financial goals while keeping your money growing in a tax-deferred vehicle with protection.
Most 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.
Investors often use a 1035 exchange to exchange a product they currently own with another product that offers features better aligned with their goals, like higher guaranteed income payouts, improved investment options, or lower fees. It’s a strategic move to optimize retirement planning while keeping your money in a product with tax-deferral.
Whether or not you can exchange your current annuity without incurring charges will depend on your annuity's surrender schedule. With 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. By including LTC in your financial plan, you can maintain income stability, safeguard your principal, and have the flexibility to choose where and how you receive care — without putting 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. This helps you cover essential expenses with guaranteed income while maintaining principal protection and tax-deferred growth, ensuring your assets continue to work for you even if your needs change.
Yes. Through Avenew, investors can independently explore and purchase commission-free annuities. The platform gives enables you to find and compare annuities 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 Avenew to help you evaluate solutions and integrate them into your broader 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. They use the same tools available to your through Avenew.
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 platform, fill out the application form, and a DPL consultant will reach out to you within a few business days.
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