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Don't forget sometimes it is just best to take a Yes ie I want an IRA and give them an IRA funded with a flex annuity I guess I can only tell you a lot of it is gut feeling will they understand me or will I just confuse them with the use of permant life and the biggie will they sign up then be dissuaded when they speak with their neighbor who is in mutual funds and has had a loss but can only remember one year he made a 30% return.