I see a lot of retired prospects -- 50 to 100k qualified money -- used to putting them in fixed or index annuities or maybe bond funds with some stock exposure. .Couple of years ago I sold 5-year, 5 pct fixed annuities, quick and easy and everybody was happy. But with rates so low, what are you presenting that is a) right for them, and b) will sell.

I'm torn. I think something dramatic is likely to happen with rates and the economy in the next year, so probably the best thing for them is to sit in cash for a while. Then again, rates might stay low for a long time.

And yeah, I need better prospects.

THanks.