Annuities can provide certain retirement benefits, but what happens when the fine print reveals fees, withdrawal restrictions, or guarantees that don't work the way you expected? In this Halloween episode of Protect Your Assets, David Hollander, The Sandman, shares three hypothetical annuity horror stories that highlight costly misunderstandings.

David explores variable annuity fees, surrender charges, income benefit guarantees, and the differences between fixed, indexed, and variable annuities. Plus, he challenges the idea that all annuities are bad investments and shares seven important questions to ask before buying one.

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