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PosFCF, you wrote:

<< I'm not sure how to approach the issue of delineating "fixed" vs. "variable" to not offend your sensibilities, but am open to suggestions. >>

As I've suggested before, if the issues (e.g. expenses and charges) that are unique to variable contracts, then that product that has those unique traits should be identified accordingly. Using a generic term like "annuities" when discussing product specific issues only confuse people who don't know any better.

<< For me, as I may have indicated before, the conversation is almost always about the VARIABLE product as that seems to have the most issues attendant to it. >>

In the Motley Fool forums, yes . . . it tends to be the primary focal point when discussing annuities. But over the years I've seem MANY people get responses in these forums that were about variables when the issue(s) had nothing to do with variables. And so, to those who don't know the difference, it muddies up the waters rather than making it clearer.

Since there are many material differences between annuities such as Variable, Fixed and Equity Indexed, it shouldn't just be assumed that when someone in a forum is asking about and using only the term "annuity" that they must surely be referring to Variables. If there were no clear indication as to what type of annuity is being referred to, then it would seem prudent to simply ask for clarification so a proper response might be made.
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