What is Bonus VS No Bonus ?Some insurance companies are offering bonus for consumers to purchase their life insurance or fixed indexed annuity products. These bonus can be range from 2% to 10%. The bonus can be upfront or has to be vested for minimum 10 years. The bonused insurance products will have a higher surrender charge, longer surrender charge period, lower future earning potential (i.e. lower cap, lower participation rate, or higher margin) than the non-bonused insurance products. To find out details about 2% to 10% bonus products comparing non-bonus products, please call us for a free consultation so you can make an informative decision.
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