Variable annuities

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Most agents who sell indexed life and annuity products remain non-securities licensed, so it is natural for the agent to gravitate towards the comforting confines of the three major crediting methods: monthly point-to-point, monthly averaging and annual point-to-point. The earliest civilizations understood the need for diversification. In addition, they understood the importance of real estate in the process. It is no surprise then that agents would begin to think about alternative indices, like real estate.
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