Hi Robertg1Would it be possible somehow for you to speak with my brother Chad, either electronically or otherwise. My poor brother spent quite a bit of time yesterday talking to his broker who really does't understand the product and reading the contract itself. Now he says he is more confused than ever. I've passed your comments on to him and they have helped him to be able to formulate his questions but I guess either his questions haven't been answered or he doesn't understand the answers. You really seem to understand this type of annuity. Thanks. Hope I'm not being a pest. Ellen
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