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I wasn't coming down on you, but making a statement that reflected my feelings on a matter. There are a bunch of agents out there that can't spell dollar, but damn sure try to make money screwing up some seniors finances.
I appreciate your passion for helping clients. Sometimes the best answer is "I don't know" and/or "that's not my area of business" and help them along the way.
Many who I have known who sell annuities have filed bankruptcy, have poor credit ratings, are broke and always looking for something that is "free". They obviously can't handle their own money, what makes them think that they are qualified to tell a senior the best way to invest theirs?
There are CD type annuities (i.e. short term), but you have to know what you are doing!