ahh wasnt meant to sound braggadocious which it can come off that way...sometimes people fire back with what qualifies you to do that...believe it or not its very little life production, more or less a majority of fixed and indexed annuity production, left the securities arena several years ago after having some bad tastes left in my mouth from inside info from how fund managers work, get greedy, lose focus, etc...transitioned to the fixed arena, safety, security, its protected against losses...sleep insurance really for the client, clientele is primarily people leaving the accumulation phase of saving and nesting away money in life to the now protecting of it...true, returns are going to be lower than that of the market, but the returns are consistent, and consistent without market risk is a better choice for that age bracket, as a good portion of the people in that age bracket cant afford another hiccup or correction in the market...been fun debating, gotta love that, different theories and interesting points and topics...no harm no foul...keeps you on your toes, LOL...an interesting read that i enjoyed is The Trouble With Mutual Funds from Richard Rutner...i think that was the final deciding straw for me to part ways with the securities side...hadnt looked back since and hadnt regretted it one bit...best wishes