3 Year Periods Now?

Was just on a webinar where the latest product will have a 3 year crediting strategy, seriously? Two years for me is not something I trust, let alone 3 years. How did they frame the pitch? They get more money because it's cheaper to offer 3 year crediting strategies (better caps/lower expenses). I had to jump out of the webinar at that point.

Would any of you offer a 3 year crediting strategy? Man zero interest rates have messed up retirement for people...
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