1.   -- Failure to disclose that agents receive a commission if one annuity contract is used to finance purchase of another one.

2.   There is a small amount of insurance involved in the variable annuity contract, which is what qualifies these instruments for tax deferral.

3.   This will allow Unisys to withdraw millions of dollars from its annuity contract with Hancock and invest it elsewhere.

4.   Under most annuity contracts, once the account holders begin to get their payments, they cannot withdraw the rest of their money no matter what.

5.   Variable annuity contracts often have cancellation penalties so that in the short run fee revenues would rise, benefiting investors in variable annuity stocks.

6.   The investor buys a variable annuity contract by making either a single purchase payment or a series of payments.