Ok, so I've never really done much with annuities, but was curious if anyone is selling this product? Emails from FMO's keep saying 3.75% fixed before riders on a 5 yr. Seems like a good product to replace cd's with that isn't too confusing for me or the customers. Any idea if they have preapproved direct mail pieces or newspaper ads to market this with? I don't think I have enough current customers that this would fit to solely market it to them. Lets hear what everyone has to say!