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Precisely; when in fact (most of the time) the annuity or other product in that particular salesman's bag is not the most effective product for you; however, the most effective product for you is not for sale from that "commissioned" sales person; therefore it is not ofered to you; instead you are offered another product; subordinate although it might be; it is nonetheless offered becuase that salesman has some in his or her bag for sale.

This is classic "conflict of interest" wherein the sales person is either conciously or unconciously putting his or her objectives ahead of; or even on the same playing field as your objectives. The wosrse part is that you don't know any better, he or she does!

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