If you have heard a radio ad or seen a pop-up online offering an instant 20%, 30%, or even 50% "bonus" on your retirement savings, you need to watch this video before you sign any paperwork.

In this video, Shawn Plummer from The Annuity Expert breaks down exactly how Premium Bonus Annuities work. He explains the brutal truth about how insurance actuaries design these contracts: if you are getting a massive upfront bonus, you are absolutely giving up something else (usually upside potential or liquidity).

Shawn also reveals the dangerous "bait and switch" marketing tactics used by lead-generation companies to sell you "Income Bonuses" that look like real money but are actually fake monopoly money used for calculations. Finally, you will learn the three specific scenarios where buying a Bonus Annuity actually makes perfect sense!

 ...