Is There a July Effect in Annuities?

This is the third year running, that I get consistent annuity appointments beginning the second week of July. If the last two years are any indication, it should continue to the end of August.

I must say, it is a lot of fun, and getting to see some of the old shitt that was out there 30, 40 years ago is somewhat edifying. I came across a forty year old annuity with a 5.1% min. Unfortunately, I had to tell her that I couldn't touch it with a 10 ft. pole. She was disappointed, so I asked my FMO if anyone would do it, and he said not if they valued their license.

Last year, I came within
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