I trust the advisor that I have...yes she is making a fee from the Insurance company, and I am paying up front for variable...but I think if I am comfortable that she will continue to watch my portfolio....and I am spending a little more in 'fees' for someone I trust, I guess the upcharge might be ok if the return and customer service is worth it.

Just be aware that this trustworthy person you're talking about is the one who's getting that 2.5% up-front fee on the variable annuity, but if you're comfortable with that, then you already have your answer.

I don't know anything about Hartford, but I have a variable annuity with Fidelity and there was no up-front fee. Also ask about surrender fees, I don't believe Fidelity has them either.

2old