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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 It will help explain some of the issues you raised in your two posts on this topic.

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