Prospectus is crucial in understanding variable-annuity benefits

11/1/2012 | Life Insurance Selling magazine

The ideal candidate for variable life insurance and annuities is comfortable with the products' risks and with making investment-portfolio selections, Charles Osmond writes. It's essential for a client to read each product's prospectus carefully to discern income guarantees, death benefits and tax advantages to make sure the product meets his or her financial needs, he writes.

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