Then all NML agents should be fired, as they are told to tell clients to "think of the dividends on your WL policy as the FIXED INCOME portion of your portfolio".............they have been saying that for years.........
There is no reason an EIA can't have a shorter surrender than a VA, none except profit margin........
There is risk in an EIA, no matter what an insurance agent tells you........get one of them to explain "crediting rates" or "participation rates" to you, and it will make the disclaimers at the end of car commercials easy to understand..........