When you read about the debates, and people who talk in absolutes that annuities are terrible or the greatest thing, they're really neither. There's no such thing as an all-bad, or all-good, investment. You have to look at your overall investing strategy.

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A lot of people thought we were crazy for getting into the annuity business. What we tried to do is pull out all the things in a variable annuity that people don't like. They come to us for more choices.

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