If the definition of insanity is continuing to do the same thing over and over and expecting different results, then Einstein would have to challenge the hypothesis today of many indexed annuity (FIA) and indexed life sales (IUL) agents. The U.S. markets have gone up over 140 percent for the last five years, yet indexed annuity and life agents, in many cases, are still allocating clients' index crediting based on 2009 prices.
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