pekinrobin,I agree with what you say. I would also like to add that for the most part, people who buy annuities (or should I say people who are SOLD annuities) do not understand what they are buying. It is the same way that people who buy load funds - especially B shares - don't know what they are buying.For those who must buy an annuity, PLEASE, I BEG YOU, go with Vanguard or TIAA-CREF.Those are my thoughts.JLPhttp://AllThingsFinancial.blogspot.com
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