Call your divisional annuity specialist, describe the situation, and they will point you in the right direction…

Many are very similar but I personally like John Hancock.

It depends on the situation.  I use three:

.....American Skandia for return of premium.

.....Pacific Life for guaranteed income benefit(pre-retirement).

.....Hartford for retirees who need income

Can’t answer without providing a prospectus.  

[quote=the word]

It depends on the situation.  I use three:

.....American Skandia for return of premium.

.....Pacific Life for guaranteed income benefit(pre-retirement).

.....Hartford for retirees who need income

[/quote]

What do you use if they want to make money?

oh great one, please bestow upon me the knowledge of THE variable annuity that provides returns of 24% year over year. 

You speak of it often, but never parley the knowledge.

[quote=the word]

oh great one, please bestow upon me the knowledge of THE variable annuity that provides returns of 24% year over year. 

You speak of it often, but never parley the knowledge.

[/quote]

No.

Then i guess i will have to stick with my usuaul suspects.

Just think, you could have shared with me the knowledge of a great product that not only can help peolpe plan for, and live comfortably through, retirement, but also could change the lives of their next generation.  Think of all the additional lives you could touch.  The good that could be done.  Yet, you live them to flounder with me, the semi retarded bank broker. 

[quote=BullBroker]In your opinion what is the best annuity product on the market right now?  [/quote]

The one my client will buy.

The best annuity is the one that gets returned within the free look period so the client isn’t stuck with some sh*t annuity; or its the Jefferson National flat fee V.A. with no surrenders.

The best annuity is the one that gets returned within the free look period so the client isn't stuck with some sh*t annuity; or its the Jefferson National flat fee V.A. with no surrenders.

This kind of crap is written by people who have no clue about investor behavior.   

the one that has had the same wholesaler for a least 2 years.

[quote=brandnewadvisor]The best annuity is the one that gets returned within the free look period so the client isn't stuck with some sh*t annuity; or its the Jefferson National flat fee V.A. with no surrenders.[/quote]

Of course Mr. RIA has to hate annuities. He can't get paid for them.

Immediate annuities are the only good annuities.

[quote=EDJ to RIA]

Immediate annuities are the only good annuities.

[/quote]

That's a pretty stupid statement.  Immediate annuities have a very small selection of appropriate uses and give a horrible return on invested principle.  

the one that pays the rep the most

Immediate annuities are the only good annuities.

Just another post by someone who doesn't understand the difference between investor performance and investment performance.

A-share annuities only sold by EDJ brokers.

Sorry, couldn't control myself.