November 2005 Issue 2

JIMEDWARDS

Do your homework before making any EIA purchase deci-sion. If youre an annuity buyer looking for a guaranteed rate of return, you should probably consider a fixed annuity. If you want some equity exposure, then a variable annuity may be your best choice. If you owned both, you could get the guaran-teed rate of return you need and the upside potential you desire.

OTHER ALTERNATIVES: