When I found out about this product! I immediatly stopped writing annuities! Life Benefits. Its a fairly new product! American Money Group introduced me to this product. This past year I have received double to triple my average annuity commissions! NOT EXAGERATING! These products have NO MARKET RISK! Huge companies and institutions have been investing in these products for years and has recently became available for our us and our clients to invest in these as well!! The main company that American Money Group represents is a publicly traded company with Platinum stock! That means TRANSPARENCY!!! they have webinars twice a week on how to get hooked up to offer this product! In my eyes, its an annyity killer!