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Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/5/2013  1:10 PM
Author:  intercst Number:  71729 of 90833

CCinOC analyzes,

The annuities market is very mature, very competitive, and profit margins are thin, which is good for the consumer. Properly purchased Immediate annuities are a good way for middle class Americans to generate a reliable lifetime retirement income.


Yet the average person who buys a so-called "low-cost immediate life annuity" loses 20% to 30% of the purchase price to the insurance company's various fees, commissions and costs.

The high cost of a no-fee, no-commission Single Premium Immediate Annuity (SPIA).

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