In this video, Shawn Plummer from The Annuity Expert gives a candid breakdown of how to read an annuity illustration without getting scammed. Shawn explains that because Fixed Index Annuities (FIAs) have variable interest, illustrations must use past historical data to project future growth. The problem? The last 15 years were one of the greatest bull markets in history! If you expect your annuity to duplicate those exact returns over the next decade, you are setting yourself up for massive disappointment.

Shawn also issues a massive warning against "Mutated Indexes." Many insurance companies use complex, proprietary indexes to artificially inflate their illustrations. Shawn shares a horror story of a client who spent six years in one of these made-up indexes, paid $16,000 in fees, and averaged a devastating 0.03% return! To protect your mo ...