"[Y]ou'll read through the report and discover that [U.S. Senator Elizabeth Warren] is irate about the sales of 'annuities.' There is no distinction between variable annuities (highly questionable products), equity-indexed annuities (the financial equivalent of toxic waste), and immediate or deferred annuities (potentially beneficial retirement options). What a report this could have been if the perks that Warren is detailing are leading agents to switch their recommendations from one product or another! Or if Warren had looked at the differing compensation that agents can slip into their wallet if they steer a client from a lean product to one that happens to be offering double bonus commissions!"