John Hanc0ck Annuity Note
Has anyone seen this? Seems like a pretty good alternative to a standard VA because it doesn't have surrender charges. So maybe someone that isn't sure they will or won't need the money in a 5 year time frame... I'm not super familiar with VAs so any input would be appreciated!
Not impressed. You're going to take someone that's not sure about needing the money and then hit them with a 3% front-end load? Why don't you just take them into Pacific Life One Select. No surrender charge and no upfront. The fund and M&E are probably closer to 2.4% vs 1.99% for this annuitynote, but you're getting more for your money.