[retiredguy123]

In the past, I have had several friends ask me about a specific annuity that they were considering based on the advice of a financial advisor. In each case, the first thing I did was to call the annuity company and ask them to send me a copy of the annuity contract so I could read it and advise my friend. In every case (four different companies), they have refused to provide the contract. The Ty Young guy actually got mad at me and said "this call is over" and hung up. The lady I spoke with at Athene was polite, but said to me that the contract is over 100 pages and you have to complete a signed application, pay for the annuity, and then you will receive the contract. After that, you have 20 days to cancel the annuity and apply for a refund of your money. I cannot recommend that anyone enter into a contractual relationship on that basis.