1. How much experience do you have in the annuity business?

2. What licenses or qualifications do you hold?

3. Have you ever lost a license through revocation or termination?

4. Have you received any disciplinary action or had a complaint filed against you?

5. Do you work for one primary insurance/annuity carrier or are you an independent broker representing different carriers?

6. Tell me about your typical clients; how have their annuities performed?

7. How are you compensated?

8. What is your commission on this recommended product? (If they present a percentage, ask, "How much is that in dollars for the principal investment under consideration?”)

9. What explanation can you offer to help me feel confident that you are recommending this product in my best interest and not just because it pays a favorable commission?

10. In what instance would you place your compensation or commission above a client's best interest? Explain?

11. Do certain annuity products/companies offer incentives or bonuses to encourage recommendation and sales? (Vacation points, perks, bonuses, etc…)

12. May I review your client feedback or testimonials?

13. Will you introduce me to clients who would be willing to speak with me about their experience with you and your firm?

14. What makes you different from other agents, and why would someone choose you instead?

15. What is the number one reason your clients work with you?

16. Is the current hybrid annuity quote you recommend really the best option for me? Tell me why I shouldn't keep looking.

17. Are there other appropriate annuity options available to me? Why didn't you choose those to recommend?

18. Does the annuity product you’re showing me offer the best rate? Are their better rates available out there? And if so, why aren’t you recommending those instead?

19. How does this recommended annuity meet my stated objectives and needs for income, growth, and preservation of principal?

20. What are the rider fees associated with this product?

21. Can you explain the differences between the Accumulation Value and the Income Account Value and how each receives interest?

22. Can you please explain the spousal continuation and survivor benefit options available with the annuity presented?

23. If I should need to access some or all of my principal and want to get out early, what are the penalties and surrender charges?

24. It appears there are higher rated companies than the "X" strength rating of the annuity company you recommend for me. Can you explain your reasoning for recommending this one?

25. Does this annuity provide for my children/heirs? How?

26. How do you determine the annuity's deferral period length to give me the most mathematically advantageous income?

27. What is the impact on the lump sum value of my annuity once I activate the lifetime income benefit?

28. How many years of income am I likely to receive before my original invested principal is decreased to zero?

29. Does this annuity provide any kind of inflation protection for my lifetime income stream?

30. If I deposit the recommended initial premium and begin taking income from the annuity at the time you recommend; then pass away at my normal life expectancy; what is the REAL internal rate of return I will have received on my money when you compare my initial deposit with the total income I will have received (including any remaining principal) at the other end?