Variable annuities promise growth potential—but are they worth the risk? In this episode, we take a clear-eyed look at variable annuities, including how they work, what makes them appealing, and the hidden costs you should be aware of before buying.

We cover:

• 📊 How variable annuities differ from fixed and indexed annuities
• ⚖️ Pros and cons: tax-deferred growth vs. market risk
• 💸 Fees, riders, and surrender charges you can’t ignore
• 🧠 When a variable annuity might make sense—and when it doesn’t

If you're considering a variable annuity or trying to understand your current contract, this episode gives you the no-fluff insights you need to make an informed choice.

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