Annuities and Insurance Products


                  Carlson Law Firm, APC 
                  600 West Broadway, Suite 1550
                  San Diego, CA 92101
                  Phone: (619) 544-9300
                  Fax: (619) 234-0043
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Experienced Securities Law Attorney in California

We are very familiar these types of products and can help if you have experienced annuity losses from annuity fraud or general negligence
by your advisor. Our firm can help you determine if your broker or brokerage firm acted appropriately, committed stock broker malpractice or intentionally made misrepresentations resulting in your losses. To discuss your specific situation with an experienced securities fraud
attorney, call (619) 544-9300 or contact us online. We offer a free telephone or in-office consultation.

Annuity and Insurance Products – Recovering Client Losses

Investments in annuity and insurance products can be very confusing for average investors. The fees generated to brokers and brokerages
can be high, as can the risks and cost of removing your funds should you need to. You financial advisor owes you a duty to disclose
accurately all the terms of the products you are considering and make sure that those products are suitable for you. If you were not told
accurate information about these types of investments you may have a valid claim to recover fees, costs, and losses in addition to other
damages, associated with the sale of these products.

Variable Annuities

Annuities are investment contracts between the issuing Insurance Company and the investor purchasing the contract. Insurance
companies generally offer variable and fixed annuities to investors. Fixed annuities give the investor a set rate of return on the investment
subject to the terms of the contract. Variable annuities offer returns based upon the investments made in the sub-accounts and therefore
may be fully exposed to market risk on both the return and the principal invested.

Your broker owes you a duty to determine if these products are suitable for you and should consider factors such as your income needs
now and in the future, your need to access the cash invested, your risk tolerance level, and your need for life insurance among other
suitability questions.

Annuity sales offer high commissions to brokers paid by the Insurance Company, and the client is locked into the product due to high
surrender fees for a long time period in order to assure the Insurance Company it will recover those broker commissions. Many complaints
are also filed alleging financial advisors recommended “swapping” one annuity for a “better” one, thereby creating new commissions and
possible surrender fees, and surrender time periods for benefits that in many cases simply do not exist for the investor.

Equity Indexed Annuities

One of the most popular insurance products today is the equity indexed annuity. They provide a guaranteed return based upon market
indexed activity with a ceiling on those returns. They are not currently considered an investment product and therefore are not federally
regulated.

However, your broker still owes you a duty to determine if these products are suitable for you and should consider factors such as the
annuities term, investor returns, caps on the returns you can earn, risk due to market declines, early termination fees and losses among
other suitability questions.

If you broker failed to disclose or misrepresented material facts to you in the sale of equity indexed annuities you may have a claim to
recover losses and fees even those associated with any early termination of the products.

We are very familiar these types of products. Our firm can help you determine if your broker or brokerage firm acted appropriately. To
discuss your specific situation with an experienced securities lawyer, call (619) 544-9300 or contact us online. We offer a free telephone or
in-office consultation.

Variable Universal Life Insurance

Variable universal life insurance provides investors the chance to take more risk in an attempt to obtain market returns in a life insurance
package. These policies are considered both life insurance and securities and therefore securities regulation does apply. They have
separate sub-accounts that contain investments and those investments fluctuate with the markets. They provide a guaranteed minimum
death benefit to investors.

Your securities broker owes you a duty to determine if these products are suitable for you and should consider factors such as your income
needs now and in the future, your need to access the cash invested, your risk tolerance level, and your need for life insurance among other suitability questions.

If you have feel your advisor failed to adequately evaluate your need or made negligent or intentional misrepresentation regarding the sale
of a Variable Life Insurance product you may have a valid claim to recover any damages.

Contact our knowledgeable San Diego securities fraud attorney today for a free consultation.