One of the biggest fears people have about buying an annuity is locking up their life savings and never getting their original investment back. But is that actually how modern annuities work?

In this video, Shawn Plummer from The Annuity Expert breaks down the different scenarios where you (or your heirs) will absolutely get your original investment back from an annuity. Shawn explains how Period Certain payouts, MYGAs, and Fixed Index Annuities return your principal plus interest once your term is up.

Need even more flexibility? Shawn reveals how to use a "Return of Premium" (ROP) feature to cancel your contract mid-stream and get your original deposit back without paying a dime in surrender charges! Finally, Shawn issues a massive warning about the one specific payout structure you must avoid if you don't want the insurance company  ...