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    David RacichPRO
    Fountain Hills, Arizona
    Non-qualified deferred annuities use three basic crediting methods for savers or investors to select from based on their product suitability determined by their personal financial profile that includes risk assessment, the effective tax bracket and life expectancy report. Most savers like fixed and some indexed annuities for their safety of principle. Investors with high tax brackets and a risk tolerance for the market may desire the separate sub accounts of variable annuities, which can lose money.
     
    Answered on July 2, 2013
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