Man, you guys are confusing the heck out of me. I have the quotes, and I will not sign anything without having a lawyer or someone look at this. The person who said "No way these returns are guaranteed", are you sure you know what you are talking about? I see it in the contract and it is part of the income rider. Do you know what that is? The person who made that statement, do you know what an income rider is? And yes, I do know this is level income of the years. But again, I say what I said at the beginning, look at the spreadsheet with the math. Math does not lie. Keep in mind annuities are paying more now due to higher interest rates.
That said, this is the conversation I was looking for. So, thank you. If my FA is trying to rip me off, then that is criminal because the contract says $84K is the minimum I can get.
So, you guys are telling me that a company like F&G, highly rated, is lying to me on the contract. Forget the FA, I have the quote from F&G.