Did your financial advisor sell you a Fixed Index Annuity with a massive 10% or 15% upfront "Sign-On Bonus," but now your account value is barely growing? Are bonus annuities actually bad for your portfolio's growth? 🛑💸

In this video, Shawn Plummer from The Annuity Expert gives a candid breakdown of how actuaries actually price your contract. Using the famous "100 Pennies" rule, Shawn explains that insurance companies have a finite budget when building an annuity. If they allocate a massive chunk of those pennies to a guaranteed Premium Bonus, and another massive chunk to a Guaranteed Lifetime Income Rider, there is absolutely nothing left in the budget for upside growth!

However, Shawn reveals a brilliant workaround: if you want a massive premium bonus and high growth, you simply have to drop the income rider! Shawn uses the Athene ...