This book is designed to provide every investor with invaluable information before investing any money into a mutual fund or annuity. Where mutual funds are far more familiar to investors, annuities are the hidden gems of the insurance industry. They provide insurance companies with huge profit margins and annual sales now exceeding $300 billion per year. The sales efforts behind them are extremely aggressive, and after reading this book, you’ll have the fundamental knowledge needed to combat these aggressive, and often times questionable sales pitches. Investing in these products can be one of the most important decisions you’ll ever make, and this book can help you reach your goals by preparing you to make the most suitable investment for your needs.

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Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics— and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for you.

This is a general description of variable annuities—what they are, how they work, and the charges you will pay. Before buying any variable annuity, however, you should find out about the particular annuity you are considering. Request a prospectus from the insurance company or from your financial professional, and read it carefully. The prospectus contains important information about the annuity contract, including fees and charges, investment options, death benefits, and annuity payout options. You should compare the benefits and costs of the annuity to other variable annuities and to other types of investments, such as mutual funds.

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