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	<title>New answer on: What Is Wrong With Equity Indexed Annuities?</title>

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		<title>By: David Racich</title>

		<link>https://insurancelibrary.com/annuities/what-is-wrong-with-equity-indexed-annuities</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Mon, 22 Jul 2013 16:13:30 +0000</pubDate>

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		<description><![CDATA[There’s no moral value to saving and investment products, but they do require product suitability with the potential product buyer.  Generally, tax deferred indexed annuities use domestic and foreign indice options and use three basic crediting methods: caps, participating rates and spreads. When an index goes up the policy is credited according to the policy method. When the index goes down the policy is not debited, i.e. insulating the annuity from market downturns. But keep in mind that these polices, like most products, have internal policy expenses that could by virtue of the contract cost result in a negative performance.
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