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Greetings, Happyjd, and welcome. You wrote:

<<The principal does get reset to current principal value.
Dividends and fees were not mentioned by the sales person. Do most annuities have separate fees attached.
I don't know the quality and yield of the bonds.
I really got nothing to fully explain any of this, just a paper to sign and give how much I want to put in.
The major selling point was that I would never lose the principal I invested, which has happened to me with some mutuals. >>


For further background, you may want to read post number 11725 on this board found at http://boards.fool.com/registered/Message.asp?id=1040013002967001&sort=postdate. It will help explain some of the issues you raised in your two posts on this topic.

Regards..Pixy
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