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Sorry to confuse--I was more interested in hearing why some on the thread that were suggesting taking lump sum all up front commission on annuity when the same people posting had moved from up front commission on mutual funds/investments & into AUM levelized compensation. I totally understand their reasoning now.I mean that's a totally different license, but sure that's an option.
Based on the case you have explained taking so much income so quickly, I would definitely think you would want lump sum up front commission rather than trails based on account value as the income distributions will be draining down the account value