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When to Surrender an Annuity
The Wall Street Journal; subscription may be required 
Feb. 17, 2014
"Some insurers that sold products with rich guarantees are trying to dissuade longtime customers from holding on to their contracts. In addition to offering to buy back variable annuities with benefit guarantees, insurers are limiting investment choices, raising fees and blocking additional account contributions. The goal is to limit future payouts on accounts whose balances have tumbled at the same time ultralow interest rates hurt insurers' own investment returns."
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