In this video, Shawn Plummer from The Annuity Expert gives a brutally honest breakdown of what happens when you buy an annuity from a captive insurance agency. A "captive" agent (such as those at State Farm, Liberty Mutual, Thrivent, or New York Life) is legally restricted to only selling their own company's specific products. Because they cannot shop the open market, Shawn candidly explains how this severely hurts your bottom line! You are almost guaranteed to end up with a contract that has lower interest rates, inferior upside growth caps, less liquidity, and significantly lower lifetime income payouts.

To maximize your wealth, Shawn reveals why you must always use an Independent Annuity Broker. Because an independent broker is not tied to any single company, they can compare thousands of contracts across the entire industry to secure th ...