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You're putting all FIA into the same category. That's like saying "all cars are bad". Your take on annuities is absolutely incorrect, but in some cases you are correct. Annuities positioned properly are an excellent tool, but used improperly, just like bad investing in the market, is wrong for seniors as well. I use annuities for my clients where income is the goal, and growth is second. There are few annuities that accomplish this and are libral in the features of accessing the money. Penalty-free withdraw for nursing homes, terminal illnesses, and full accumulation value at death, are no-cost riders with all policies I offer.
By Bryan
