Cap or Participation Annuity

what's the better option cap or part product.

Depends on how you like to describe the product....With caps as low as they are its kinda hard to get someone excited about a 3-4 percent cap (I know I'm quoting the low end) while describing participation in 30 or 40 percent of the index movement can make the client feel better...

Personally I like products that give me both options in 1 contract.
 
Depends on the actual cap rate vs. the part. rate that you are comparing it to as well.

A 4% cap vs. a 20% participation rate.....I would err on the side of the cap.

A 3% cap vs. a 40% participation rate.....I would err on the side of the part. rate.
 

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