Are you tempted by massive 20% to 29% annuity bonuses? Before you sign a contract just to grab that "free" money, you need to understand exactly what you are giving up in exchange!

In this video, Shawn Plummer from The Annuity Expert gives a brutally honest breakdown of when an annuity premium bonus is actually worth it—and when it is a trap. Shawn explains the actuary's "100 Pennies" rule: an insurance company only has a limited budget to build a product. If they allocate a massive chunk of change to an upfront bonus, they must take away from your upside growth potential, your liquidity, or your guaranteed lifetime income!

Shawn candidly reveals the exact scenarios where a bonus is brilliant (like offsetting a stock market loss, covering old surrender charges, or softening the tax blow of a Roth conversion). He also names specific gr ...