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sdlipps,

I had posted/quoted an article from The Wall Street Journal of Nov. 9th 1999, which I thought you find helpful in addressing your issues. The Motley Fool has removed it as they apparently have the misguided idea that this was a copyright infringement. So, you might want to go to the library and look it up. It's a good one and you can find it under the title:

Lawyers Seek Class-Action Suit Against Insurers Over Annuities
By DEBORAH LOHSE and BRIDGET O'BRIAN
Staff Reporters of THE WALL STREET JOURNAL
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