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One of the best questions you can ask the Fiancial Advisor is what do they get paid for selling an annuity? Annuities pay out some the highest commissions of any investment product. That is why they are favoirtes of some Financial Advisors to sell. That is also why they have the long surrender period. If the Isurance company pays the broker so much up front, they need to have the surrender period in place to make that money back in case you close the account.
Ask them what their commission is in an annuity versus the commission they would earn in a mutual fund based investment. Most Finacial Advisors are looking out for your best interests and deserve to get paid for the work and service they perform, however the money they can make selling annuities can hardly be justified.
As has been pointed out repeatedly here at the Fool, annuities are very rarely the best investment vehicle.

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