The NAIC has adopted the 2010 Suitability in Annuity Transactions Model Regulation and several states have taken action to adopt the same or similar requirements. Producers are now required to take two different training requirements prior to soliciting business.
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Annuities as a whole are not bad. However annuitizing an atinuny is absolutely nuts. Some annuities now have what are called living benefits. These allow you to draw money and yet still have a death benefit for your heirs. After the market fall in 2000-2001 their were annuities out there that may only have a contract value of 75,000 and yet a death benefit of 500,000. These new living benefit annuities were put into place to protect against this happening. More details upon request.