Have you been listening to conservative talk radio and heard a commercial promising a massive 35% or 50% sign-on bonus for your retirement savings? Before you pick up the phone, you need to hear the unfiltered truth about how these contracts actually work.

In this video, Shawn Plummer from The Annuity Expert breaks down exactly which annuities are offering these massive numbers (typically the Athene Agility Series or the Allianz 222) and why the advertised bonus is actually a fictitious gimmick. You will learn the critical difference between a real "Premium Bonus" and a fake "Income Bonus"—which is just monopoly money used to calculate your future lifetime income, not a tangible lump sum you can ever walk away with!

Shawn also reveals the one specific scenario where this fake bonus actually becomes real money for your beneficiaries, a ...