Did your insurance agent promise you a massive 10% or 15% upfront "Sign-On Bonus" just for buying an annuity? Before you celebrate, you need to understand the brutal reality of "Bonus Vesting!" 🛑💸

In this video, Shawn Plummer from The Annuity Expert explains exactly how premium bonuses actually work. While the insurance company credits the bonus to your account on Day 1 (and you immediately start earning interest on it!), that money isn't truly yours yet! Shawn breaks down how insurance carriers use "Vesting Schedules" to lock you into the contract. If you buy a 10-year annuity with a 10% bonus, you might only "vest" or legally earn 1% of that bonus each year. If you get fed up with the contract and cancel it in Year 6, the insurance company will claw back the unvested portion of your bonus!

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