[craigrmorrison]

Originally Posted by fcgiii

Has anyone dealt with ARS and bought their hybrid annuities?. The say they are fiduciaries and claim they can get you annuities that go up with the market and never lose money.

No one has a corner on the annuity market. Please check around. Bring your granddaughter or grandson (5th grade or older) with you for the consult and make sure they understand the terms as well as you.

[Geodyssey]

Originally Posted by Packer Fan

So you don’t invest in ETFs? Car insurance? Homeowners insurance? They are all just as complicated as a SPIA for sure if not most annuities. Just because YOU don’t understand them does not mean they are not appropriate for everyone. Maybe you shouldn’t use a computer since you probably don’t understand how silicon chips work.

Car and homeowner insurance are in no way "investments" as commonly and legally defined (Your mileage may vary. Do you feel lucky?)

Is it even legal for a licenced agent to refer to insurance as an "investment"? It's an attempt to deceive. Maybe to defraud.