Have you ever had an insurance agent or a financial planner promise you a contractually guaranteed 10% annual interest rate inside a modern annuity? It sounds completely spectacular—especially compared to a 5% bank CD or a 7% corporate bond fund. But is that 10% return actual, spendable cash, or is it just a fictitious marketing illusion? 🛑💸

In this video, Shawn from The Annuity Expert exposes a massive wave of consumer misinformation regarding the Guaranteed Lifetime Withdrawal Benefit (GLWB) income roll-up rate.

Shawn walks through a recent real-world case study involving a wealthy client with a $400,000 bond portfolio. The client was earning a real, spendable 7% yield that he routinely swept out of the account as retirement income. Another insurance agent tried to bait him into an Athene annuity by bragging about a "guaranteed 10 ...