Last week, I wrote a column, which talked about the top 10 threats to investors. I included as number 9 variable annuity sales practices. Needless to say, I elicited a response that warranted my taking another look at what I said. It came from Garth Bernard who works for MetLife and who is expert in annuities. Here's what he said:

"I read your article which included the tag line 'Welcome to Friday the 13th. Do you know the 10 best ways you can get cheated?'

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