Glad to hear someone else is investing in Annexus Products!! That being said, each Index annuity is different and has different strengths. IE, Most of my products are momentum based and have uncapped returns. I rarely use Income riders or Death Benefit riders. However, there are products that specifically cater to a certain need. IE, there is a product out there that, should the client end in a nursing home, triples in value, then pays the nursing home an income to help pay for it. PM me, or anyone else here for more information on how to play to your community needs and strengths.