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John Hanc0ck Annuity Note

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Nov 10, 2009 9:25 pm

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!

Nov 11, 2009 2:48 am

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.

Nov 24, 2009 3:27 pm

We are not impressed either…