When selling a product (annuity more specifically, but could be anything really), what do you as the advisor/agent value? Top 3-5 things? (Product, company rating, comp, flexibility, etc)

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We try to avoid them as much as possible. The few times we have used them was for tax deferral and for clients who are very risk averse but value income. With higher interest rates now, we likely wouldn’t use them for the latter anymore.

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Sure. Curious as to your thoughts?

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