This was the worst experience I ever had. This person only wanted to make money off me and lock me in a seven year contract on an annuity. He cost me lots of money through the IRS, by taking my money out of my company plan. He's only out for himself. I was 50 years old when he talked me into this. I say do your homework. I took advice from my union local, communication workers. Everyone doesn't fit into an annuity. Since this time, I got my insurance license, my 6 & 63, and my Realestate license, I know the money he makes for looking you into deals. I hope someone cheats him the way he cheats others. Nancy Wilson, former Verizon employee.