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Birdman, I would be more then willing to over look anything you advisor suggests as a courteous. I guess I owe it to the members of the forum whom I have learned so much from. Once again just trying to help :)

Birdman, I currently sell life insurance and annuities for ING. I am in the process of getting my 7 and 66 to become an advisor. I will admit we get paid anywhere from 5% to 8% for an annuity. Make sure you find out how long the surrender period is and how much it will cost to access your...