Sugar coated la la instead of facts. So I get this telephone call regarding my interest in purchasing an annuity. So what do I get? some guy spouting off, in a polite fashion, about how wonderful the merits of whatever company. No facts, just bird dog garbage using the favorite instrument of the last century, called a telephone. A complete waste of my time to answer questions on my address, telephone number etc, as IF I really do not know where I live or how to call my home. The caller never found out that I am a published author with a much greater background in finance than anybody in the company. All of this AFTER I stated that phone calls were NOT welcomed. No wonder Bernie M got so far in life. (This posting is ONLY with the condition of complete free speech without any legal actions by the owner or others of this site. My acceptance of any terms and conditions is under duress)