Hey all, I am relatively new to annuities, compared with most people on the board. But, made the following observation on FIAs - the guaranteed min participation rates/Max spreads are pretty pitiful, to say the least. Leaves carriers with a lot leeway to lower rates, at their discretion. Maybe you get 1 or 2 years of great participation, but then you are at the mercy of the carrier, especially if you are locked in for 10 or more years. I could foresee a scenario where you could make almost nothing, in some bad market years. The questions is what incentives do carriers have to keep up renewal r
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