"Overall the documents need updating for new product designs, the structure can be simplified for better clarity, there are some instances of generalization that are not completely accurate, and there are instances of inconsistent terminology. The format and organization of these guides could benefit from revision. Consistency of format and presentation would enhance readability, especially if a consumer receives multiple guides or an agent is referencing multiple guides. Also, if information that is repeated in every guide is presented only in the general guide, the shorter additional guides could focus more on specifics of that product. The guides do not cover the full range of annuity products currently in the market."  MORE >>