Hi there Truly sad how many morons their are on this ite. after 23 years in the fincancial industry im still amazd at the stupidity i see everyday. First off NO ONE HAS EVER LOST A PENNY IN AN INDEXED ANNUITY OR A FIXED .. FACT That did not violate the terms of the contract . so for all you know it all show me a statement where anybody lost a penny in the last year or in 2000 or in any year abd I buy you dinner anywhere in the country. Cant do it , I know Thanks to the ego-maniacs i see here and elsewhere millions of seniors now have crushed dreams and millions ae looking or oart time work at Walmart .. Good call guys .. Perhaps you have not seen the study from the 2 Prof. at Wharton Bus School i know youre all smarter then they are and you see the real returns of indexed annuities BETTER THEN ALL THE OTHER ASSET CLASSES AND BEST OF ALL NO FEES IN DOWN MARKETS HOW MANY BROKERS CAN BEAT THAT . Stop lying to your clients and show me your top 50 accounts for jan 2007 till now and ill show you mine ,,, i averaged 12-19.99% in that period and still have EVERy DAMM PENNY PLUS ALL MY PRINCIPAL And paid no fes … So put up or Shut up already