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The complaint alleged that American Equity unethically and fraudulently sold inappropriate deferred annuity policies to seniors.
In addition, some deferred annuities make the policyholder wait for up to 10 superior casino no deposit bonus codes 2019 20 learn more here before they start receiving payouts: sometimes this exceeds the life expectancy of the senior buying the policy.
Deferred annuities are a dubious choice superior casino no deposit bonus codes 2019 investment for seniors for the above reasons, yet superior casino no deposit bonus codes 2019 often foisted on elders because they yield high commissions to insurance salespeople and investment brokers.
Because no one can accurately predict the stock market, these annuity products are by nature unpredictable as well.
One risk of equity-indexed annuities is that if investments in the stock market do poorly, then the annuity payouts will decrease.
Other significant risks of equity indexed annuities include high and hidden surrender fees and charges if the policyholder wishes to withdraw from their funds or cancel the annuity policy.
Equity indexed annuities, like deferred annuities, may be highly inappropriate for seniors.
The lawsuit brought against American Equity was designed to be a class action lawsuit.
The Evans Law Firm litigates on behalf of victims of annuities fraud and elder financial abuse in California.
If you or a family member was sold a deferred annuity from American Equity and live in California, please contact the Evans Law Firm at 415-441-8669 or e-mail.
Lawsuits have been brought against the following insurance companies and banks: AIG Sun America; Allianz Life Insurance Company; American Equity Life Insurance Company; American International Group; American National Insurance Company; Conseco Life Insurance Company; Fidelity and Guaranty Life Insurance Company; Forethought Financial Group; Jackson National Life Insurance Company; National Western Life Insurance Company; Prudential Insurance Company of America; Standard Life Insurance Company of Indiana.
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The Bonus Gold is a deferred fixed indexed annuity issued by American Equity Investment Life Ins Co.
This annuity offers 10.
When your full premium deposit is allocated to the fixed interest account, the current first year yield american equity bonus gold returns bonus if applicable is 11.
You can also allocate your premium between 11 different strategy and index account options see below.
For current index account options cap and participation rates, please contact AnnuityAdvantage at click here />An income rider is available that provides the option of activating a guaranteed lifetime income stream at a future date.
During the time in which the annuity is subject to surrender penalties, there are policy provisions that allow partial access on a penalty free basis.
Beginning in the second contract year, this annuity visit web page up to 10% noncumulative of the contract value as the penalty free withdrawal amount that may be withdrawn from the annuity each contract year.
This annuity also waives withdrawal penalties upon death.
Your named beneficiary ies will receive a death superior casino no deposit bonus codes 2019 equal to the full accumulation value.
A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.
Details on additional penalty waivers can be found in the section below.
Penalty Waivers: Annuitization, Death, Nursing Home and Terminal Illness See product brochure, disclosure and riders for additional details, limitations and availability.
State variations, age restrictions and holding periods may apply.
Upfront bonuses are frequently subject to a vesting schedule.
Not all annuities are available in all states.
Surrender charges may apply to withdrawals during the surrender period.
A 10% IRS penalty may apply to withdrawals prior to age 59 ½.
Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency.
Information presented on this website is not intended as tax or legal advice.
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Fixed index annuities are a long-term retirement check this out that have helped many Americans plan for income in retirement and balance their retirement portfolios with benefits like principal protection, tax-deferred growth and guaranteed income that cannot be outlived.
What is a fixed index annuity?
A fixed index annuity is a contract between you and American Equity that offers interest growth opportunities determined by a formula that is based on the performance of an external index.
How do fixed index annuities work?
A fixed index annuity is purchased from an insurance agent or financial professional who is licensed to sell annuities.
The annuity is issued from an insurance provider who guarantees the contract, which can earn interest based, in part, on equity index increases.
The fixed index annuity is considered an insurance product and is not directly tied to or invested in the stock market or share ownership.
This function prevents the annuity contract from losing money due to index volatility and the interest credited will never be less than zero.
What is a Lifetime Income Benefit Rider and how does it work?
The optional Lifetime Income Benefit Rider LIBR can superior casino no deposit bonus codes 2019 secure a guaranteed lifelong income source.
The amount of income to be received is measured by the income account value, which is credited over time and grows until the earlier of income payments beginning or the end of the accumulation period.
American Equity uses click to see more common indexes: contains stocks from 500 various industry leaders and is widely regarded as a leading benchmark for U.
The Index is dynamically adjusted across two components: equity and cash.
This Index is well diversified across all market sectors.
Many of the stocks represented in american equity bonus gold returns DJIA are leaders in their industries.
Treasury Bond is a government-issued debt designed to mirror general market interest rates.
American Equity offers fixed index annuity products that provide different benefits and terms.
Click the brochures below to download product details.
Availability may vary by state.
Sources Features and benefits may vary by product and state.
Please review the contract or product disclosure for more information.
Annuities are products of the insurance industry and are american equity bonus gold returns guaranteed by any bank or insured by the FDIC.
Tax Interpretations: Neither American Equity Investment Life Insurance Company® nor any of its agents or representatives give tax, legal or investment advice.
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The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement.
Today I will dig deep into the American Equity Bonus Gold Annuity which has been requested by several readers in recent weeks.
It is one of the best selling indexed annuities of all-time.
This is the biggest percentage increase of any form of annuity.
You will often hear that annuities are sold, not bought.
This is exactly why I will go in depth into some of the most popular annuities because there is shockingly little information available about them.
Most of the information comes from the companies that sell the annuities and they gloss over the fees, risks and downsides.
More importantly, annuities have grown into extremely complex instruments which even the most season professional may have trouble deciphering.
Indexed annuities, once considered the black sheep of retirement products, have a history of being so complex that they were a focal point of litigation and regulatory action in the 2000s.
Insurers paid millions in fines.
While the negative attention led to a change for the better among the carriers, indexed annuities are still complex and difficult to truly understand for many investors.
It is of the utmost importance to make an informed decision.
This annuity has one of the longest and most onerous surrender periods that I've ever seen so before you sign on the dotted line, you better be 100% sure you are making the right decision.
Perspective That You Can Trust I am your american express serve money order consider this blog from the perspective as a curious analyst.
I am totally impartial as I am a fee only registered investment advisor.
I don't get paid to sell annuities nor do I personally sell them.
I hope to bring a unique perspective to this topic drawing on my years of experience analyzing companies as a research analyst.
While many investment professionals hate annuities, I do not believe that they are all bad and some of them can make sense as a small part of your investment portfolio.
Annuities should never, I repeat never, be the large majority of your portfolio because of their lack of liquidity which is one of their biggest drawbacks.
Issuer Review: American Equity Investment Life It is important to look at the issuer of the annuity first because annuities are NOT a guaranteed investment.
This is important to note so I will say it one more time.
Annuities are NOT guaranteed.
State Guaranty Associations offer some protections but the levels vary state to state.
American Equity Investment Life was formed in 1981 and became a public company in 2003.
As per the company website, it has over 23,000 active agents and 350,000 policy holders.
It is 3 all-time in indexed annuity sales.
Most recently, Fitch reaffirmed its rating in November of 2014.
Fitch stated " The affirmation of AEL's ratings reflects high credit quality within AEL's bond portfolio, continued good operating results, adequate risk-adjusted capitalization and the company's superior casino no deposit bonus codes 2019 competitive position in the fixed indexed annuity market.
The rating also reflects AEL's high, albeit declining financial leverage, above-average exposure to interest rate risk and lack of diversification american equity bonus gold returns earnings and distribution.
So let's take a deeper dive into the details.
Surrender fees go for 16 years and are over 10% for the first 12 years!
This is essentially illiquid for those years unless you just want to give your money away to American Equity.
On the bright side, you can withdraw 10% penalty free per year after your first contract anniversary.
They also have two riders that are available if you wind up in nursing care or have a terminal illness with less than a year to live.
I believe surrender fees are one of the worst features of annuities.
These are huge lockup fees and if you need the money, they sock it to you.
This is why annuities should NEVER be a significant part of your investment portfolio because they are essentially illiquid for many years.
Unless you are positive you will not need access to these funds, then annuities are NOT for you.
This indexed annuity also called an equity-indexed annuity, fixed-index annuity or hybrid annuity will likely be packaged around these main components: 1.
Principal protection with upside potential from their attractive index choices 2.
Guaranteed income for life with LIBR lifetime income benefit rider Like most index annuities, agents likely appeal to your sense of fear for the stock market and potential downside risks.
On the positive side, this annuity will protect you from downside and can provide income click the following article life.
While this is certainly true, one of the biggest issues is that there is a lot of miscommunication and misunderstanding between agents and potential buyers.
This is a huge issue and can lead to very unhappy buyers because their expectations aren't met later and due to the long surrender period they are locked in for a very long time.
Because the roll up rate on the LIBR can be 6.
A consumer watchdog reporter just came to me with this type of example where a 70 year old buyer believed he would earn a 6% return with no downside risk and was shocked after one year when his return was essentially flat.
His mistake was not knowing the difference between account value and income account value.
There is a huge difference.
If your agent explains this annuity correctly, you should understand the nuances and you should never get the impression that you'll earn more than 5% returns in today's zero rate environment.
Based on current caps and participation rates, the more realistic expectation for returns is in the 2-4% range and I would guess that it would be at the lower end of that range given historically low yields in the bond market.
While the 10% bonus vests immediately, American Equity protects itself by setting double-digit surrender fees for the first 12 years of this annuity.
Let's dig into this annuity so you have a better understanding of the nuts and bolts.
Interest Crediting Options It is important to understand that you are not investing in the underlying securities of any index.
With index annuities, you are not making investment choices like a variable annuity.
Your interest crediting options are mathematical formulas that the insurance company is using to attract you into buying xyz annuity.
The insurance company invests your money in whatever they choose likely diversified, conservative investments.
They just have to earn a return higher than their mathematical formula or topic, american slot wheels remarkable crediting option so they can pay you, their sales force, marketing, operations, etc.
This is why index annuities will only generate low single digit returns.
For the Bonus Gold annuity, you All Double Up machine select from bond, equity and fixed interest crediting methods.
To make it a bit more complex, you have different crediting methods: monthly point to point crediting, annual point-to-point crediting, annual monthly average crediting, price triggered, bond yield with cap, volatility control and fixed interest.
So let's dig a bit deeper into your choices.
As of January 1st 2015, the Fixed interest allocation is currently paying 1.
This is slightly better than a 5-year Treasury Note at 1.
You can likely beat the fixed account on your own.
So onto the Indexed interest american equity bonus gold returns />Many salespeople may sell you on high returns but none of superior casino no deposit bonus codes 2019 options will deliver much more than 3% returns.
If someone is promising higher returns above 5% then you need to find a more honest agent.
Whatever option and crediting method you choose, you will likely make around 1-3% over the long term.
I will illustrate this for you.
Please note that backtesting is not utilized by American Equity.
All illustrations that follow are performed by the author given rates at the time of publication these are subject to change over time.
This cap can be changed after the 1st year of your contract.
There is no cap on negative months.
At the end of the year, the totals are added up and that is your return for the year.
If it is negative, you don't lose anything.
In the Bonus Gold Annuity, if you selected monthly point to point crediting, you would be credited with a gain of just 2.
If you selected the annual point-to-point crediting option, you would receive 3.
It is important that note that American Equity can change your caps after your contract anniversary.
However as you can see, all of these options produced between 1.
Some agents will pitch the bond yield with cap as most index annuities aren't providing a bond option.
This appeals to people that fear the stock market and believe that the bond market is more stable.
On each contract anniversary, the bond price is compared to the bond price on the previous anniversary.
The index credit is based on the decrease in the bond price.
The BYC interest credit calculation is determined by first applying the cap 2.
This option will do alright in a rising rate environment but in a year like 2014 where yields declines and prices rose, you would not fare well.
If you have additional questions about these options, please submit a question using our.
We will answer your questions as soon as possible often under 24 hours via email.
No strings attached, just a little free help to point you in the right direction.
Who should buy this product?
In summary, the Bonus Gold Annuity is something to consider for someone that doesn't want to worry about market volatility, wants a guaranteed income stream and is happy with low single digit returns of roughly 1-3% which most indexed annuities will return.
The annuity can make sense for an extremely conservative investor who is looking for guaranteed income with no market risk.
This product will work best for those that are in good health and have a family history of longevity.
If you can live to your late 90s, then the guaranteed income stream will pay off nicely.
However for most of us that live an average lifespan or even into your 80s, then a conservative portfolio of stocks and bonds will likely be a better choice in terms of return and with much higher liquidity.
Be sure to evaluate how it fits into your entire investment strategy and how it will help you reach your financial goals.
In the end, all of the interest crediting options will pay roughly 1-3% over a full market cycle.
Don't buy into any sales pitch that is promising rates of return of 6-10% or more.
It just isn't possible to generate 10% returns with no downside risk.
If anyone promises you even 6%+ returns for this annuity, don't just walk away, run for the door and find a new advisor.
For American Equity to pay 6% on this annuity, they would have to earn 9%+ on their own investment portfolio so they could pay you as well as their salespeople, marketing and overhead, not to mention to earn a profit themselves.
Commissions are very lucrative for agents selling the Bonus Gold up to 9% so be sure that you make the right decision superior casino no deposit bonus codes 2019 you, not for their benefit.
Thanks for sticking with me on this incredibly long blog post.
I learned a lot in my research process and I hope you are able to make a more informed investment decision because of it.
Since annuities lock you into a long term contract with stiff surrender fees, please be sure to take your time to make the best possible decision for you and your family.
Have questions about this Annuity?
If you're considering this annuity and have additional questions, feel free to reach out.
You can contact us via our.
We will answer your questions as soon as possible often within 24 hours via email.
No more info attached, just a little free help to point you in the right direction.
If you have questions about this annuity, please share them in the comments section below or visit our to submit a question.
IMPORTANT DISCLOSURE INFORMATION Please remember that past performance may not be indicative of future results.
Moreover, you should not assume that any discussion superior casino no deposit bonus codes 2019 information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Runnymede.
Runnymede is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal please click for source accounting advice.
A copy of the Runnymede's current written disclosure Brochure discussing our advisory services and fees is available for review upon request.
Please Note: Runnymede does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Runnymede's web site or blog or incorporated herein, and takes no responsibility for any such content.
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ORAL ARGUMENT SCHEDULED FOR FRIDAY, MAY 8, 2009 No. 09-1021 (consolidated with No. 09-1056) UNITED STATES COURT OF APPEALS FOR THE DISTRICT OF COLUMBIA CIRCUIT. AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY, et al., Petitioners, v. SECURITIES AND EXCHANGE COMMISSION, Respondent. On Petitions for Review of an Order of the


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I spoke with a representative, whose title is “advisor,” at Mr. Young’s firm and asked him to describe his firm’s most popular product. This turns out to be an FIA offered by American Equity Investment Life, an Iowa-based insurance company, called the “Bonus Gold Index 1-07.”


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The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement.
Today I will dig deep into the American Equity Bonus Gold Annuity which has been requested by several readers in recent weeks.
It is one of the best selling indexed annuities of all-time.
This is the biggest percentage increase of any form of annuity.
You will often hear that annuities are sold, not bought.
This is exactly why I will go in depth into some of the most popular annuities because there is shockingly little information available about them.
Most of the information comes from the companies that sell the annuities and they gloss over the fees, risks and downsides.
More importantly, annuities have grown into extremely complex instruments which even the most season professional may have trouble deciphering.
Indexed annuities, once considered the black sheep of retirement products, have a history of being so complex that they were a focal point of litigation and regulatory action in the 2000s.
Insurers paid millions in fines.
While the negative attention led to a change for the better among the carriers, indexed annuities are still complex and difficult to truly understand for many investors.
It is of the utmost importance to make an informed decision.
This annuity has one of the longest and most onerous surrender periods that I've ever seen so before you sign on the dotted line, you better be 100% sure you are making the right decision.
Perspective That You Can Trust I am writing this blog from the perspective as a curious analyst.
I am totally impartial as I am a fee only registered investment advisor.
I don't get paid to sell annuities nor do I personally sell them.
I hope to bring a unique perspective to this topic drawing on my years of experience analyzing companies as a research analyst.
While many investment professionals hate annuities, I do not believe that they are all bad and some of them can make sense as a small part of your investment portfolio.
Annuities should never, I repeat never, be the large majority of your portfolio because of their lack of liquidity which is one of their biggest drawbacks.
Issuer Review: American Equity Investment Life It is important to look at the issuer of the annuity first because annuities are NOT a guaranteed investment.
This is important to note so I will say it one more time.
Annuities are NOT guaranteed.
State Guaranty Associations offer some protections but the levels vary state to state.
American Equity Investment Life was formed in 1981 and became a public company in 2003.
As per the company website, it has over 23,000 active agents and 350,000 policy holders.
It is 3 all-time in indexed annuity sales.
Most recently, Fitch reaffirmed its rating in November of 2014.
Fitch stated " The affirmation of AEL's ratings reflects high credit quality within AEL's bond portfolio, continued good operating results, adequate risk-adjusted capitalization and the company's strong competitive position in the fixed indexed annuity market.
The rating also reflects AEL's high, albeit declining financial leverage, above-average exposure to interest rate risk and lack of diversification in earnings and distribution.
So let's take a deeper dive into the details.
Surrender fees go for 16 years and are over 10% for the first 12 years!
This is essentially illiquid for those years unless you just want american equity bonus gold returns give your money away to American Equity.
On the bright side, you can withdraw 10% penalty free per year after your first contract anniversary.
They also have two riders that are available if you wind up in visit web page care or have a terminal illness with less than a year to live.
I believe surrender fees are one of the worst features of annuities.
These are huge lockup fees and if you need the money, they sock it to you.
This is why annuities should NEVER be a significant part of your investment portfolio because they are essentially illiquid for many years.
Unless you are positive you will not need access to these funds, then annuities are NOT for you.
This indexed annuity also called an equity-indexed annuity, fixed-index annuity or hybrid annuity will likely be packaged around these main components: 1.
Principal protection with upside potential from their attractive index choices 2.
Guaranteed income for life with LIBR lifetime income benefit rider Like most index annuities, agents likely appeal to your sense of fear for the stock market and potential downside risks.
On the positive side, this annuity will protect you from downside and can provide income for life.
While this is certainly true, one of the biggest issues is that there is a lot of miscommunication and misunderstanding between agents and potential buyers.
This is a huge issue and can lead to very unhappy buyers because their expectations aren't met later and due to the long surrender period they are locked in for a very long time.
Because the roll up rate on the LIBR can be 6.
A consumer watchdog reporter just came to me with this type of example where a 70 year old buyer believed he would earn a 6% return with no downside risk and was shocked after one year when his return was essentially flat.
His mistake was not knowing the difference between account value and income account value.
There is a huge difference.
If your agent explains this annuity correctly, you should understand the nuances and you should never get the impression that you'll earn more than 5% returns in today's zero rate environment.
Based on current caps and participation rates, the more realistic expectation for returns is in the 2-4% range and I would guess that it would be at the lower end of that range given historically low yields in the bond market.
While the 10% bonus vests immediately, American Equity protects itself by setting visit web page surrender fees for the first 12 years of this annuity.
Let's dig into this annuity so you have a better understanding of the nuts and bolts.
Interest Crediting Options It is important to understand that you are not investing in the underlying securities of any index.
With index annuities, you are not making investment choices like a variable annuity.
Your interest crediting options are mathematical formulas that the insurance company is using to attract you into buying xyz annuity.
The insurance company invests your money in whatever they choose likely diversified, conservative investments.
They just have to earn a return higher than their mathematical formula or interest crediting option so they can pay you, their sales force, marketing, operations, etc.
This is why index annuities will only generate low single digit returns.
For the Bonus Gold annuity, you may select from bond, equity and fixed interest crediting methods.
To make it a bit more complex, you have different crediting methods: monthly point to point crediting, annual point-to-point crediting, annual monthly average crediting, price triggered, bond yield with cap, volatility control and fixed interest.
So let's dig a bit deeper into your choices.
As of January 1st 2015, the Fixed interest allocation is currently paying 1.
This is slightly better than a 5-year Treasury Note at 1.
You can likely beat the fixed account on american equity bonus gold returns own.
So onto the Indexed interest options.
Many salespeople may sell you on high returns but none of these options will deliver https://outboundtraining.info/american/american-slot-wheels.html more than 3% returns.
If someone is promising higher returns above 5% then you need to find a more honest agent.
Whatever option and crediting method you choose, you will likely make around 1-3% over the long term.
I will illustrate this for you.
Please note that backtesting is not utilized by American Equity.
All illustrations that follow are performed by the author given rates at the time of publication these are subject to change over time.
This cap can be changed after the 1st year of your contract.
There is no cap on negative months.
At the end of the year, the totals are added up and that is your return for continue reading year.
If it is negative, you don't lose anything.
In the Bonus Gold Annuity, if you selected monthly point to point crediting, you would be credited with a gain of just 2.
If you selected the annual point-to-point crediting option, you would receive 3.
It is important that note that American Equity can change your caps after your contract anniversary.
However as you can see, all of these options produced between 1.
Some agents will pitch the bond yield american equity bonus gold returns cap as most index annuities aren't providing a bond option.
This appeals to people that fear the stock market and believe that the bond market is more stable.
On each contract anniversary, the bond price is compared to the bond price on the previous anniversary.
The index credit is based on the decrease in the bond price.
The BYC interest credit calculation is determined by first applying the cap 2.
This option will do alright in a rising rate environment but in a year like 2014 where yields declines and prices rose, you would not fare well.
If you have additional questions about these options, please submit a question using our.
We will answer your questions as soon as possible often under 24 hours via email.
No strings attached, just a little free help to point you in the right direction.
Who should buy this product?
In summary, the Bonus Gold Annuity is something to consider for someone that doesn't want to worry about market volatility, wants a guaranteed income stream and is happy with low single digit returns of roughly 1-3% which most indexed annuities will return.
The annuity can make sense for an extremely conservative investor who is looking for guaranteed income with no market risk.
This product will work best for those that are in good health and have a family history of longevity.
If you can live to your late 90s, then the guaranteed income stream will pay off nicely.
However for most of us that live an https://outboundtraining.info/american/free-slots-american-original.html lifespan american equity bonus gold returns even into your 80s, then a conservative portfolio of stocks and bonds will likely be a better choice in terms of return and with much higher liquidity.
Be sure to evaluate how it fits into your entire investment strategy and how it will help you reach your financial goals.
In the end, all of the interest crediting options will pay roughly 1-3% over a full market cycle.
Don't buy into any sales pitch that is promising rates of return of 6-10% or please click for source />It just isn't possible to generate 10% returns with no downside risk.
If anyone promises you even 6%+ returns for this annuity, don't just walk away, run for the door and find a new advisor.
For American Equity to pay 6% on this annuity, they would have to earn 9%+ on their own investment portfolio so they could pay you as well as their salespeople, marketing and overhead, not to mention to earn a profit themselves.
Commissions are very lucrative for agents selling the Bonus Gold up to 9% so be sure that you make the right decision for you, not for their benefit.
Thanks for https://outboundtraining.info/american/free-american-idol-slots.html with me on this incredibly long blog post.
I learned a lot in my research process and I hope you are able to make a more informed investment decision because of it.
Since annuities lock you into a long term contract with stiff surrender fees, please be sure to take your time to make the best possible decision for you and your family.
Have questions about american equity bonus gold returns Annuity?
If you're considering this annuity and have additional questions, feel free to reach out.
You can contact us via our.
We will answer your questions as soon as possible often within 24 hours via email.
No strings attached, just a little free help to point you in the right direction.
If you have questions about this annuity, please share them in the comments section below or visit our to submit a question.
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