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No, Bob, not you.  These shots are at Moshe Milevsky, co-author of the sales brochure you linked to. Milevsky is paid by the insurance industry.  He is executive director of the Individual Finance and Insurance Decisions Centre.  IFID is a non-profit corporation funded in large part by insurance companies.  Milevsky is also president of the Quantitative Wealth Management Analytics Group.  QWeMA is a private, for-profit company that develops marketing software for insurance companies. Despite his academic credentials, I wouldn't trust Prof. Milevsky to present an unbiased view of annuities.  Readers should be skeptical of his writings. Ron

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