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Not surprisingly commission based salesmen have favored the annuity indexed investment funds over all others because of their commission value, not the return they provide the consumer. The presentation of the indexed based annuity gets the most practice because it pays them the most, not because it’s the best for you. A lot of people are fooled into the pitch thinking the returns will be almost guaranteed because they are based on the index. What most people feel mislead about is the actual place the returns are based on.