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The individual who sold these products did not take into account what the income would be upon retirement.,,,no financial planning These are either locked in at 3% or can be cashed out and/or monthly payments BUT as taxable personal income, not capital gains with significantly higher tax rates. We had the bank "help" cash out the last one, only to have it come back as the form was filled out incorrectly.....pushing the income into 2018 tax year. Just because they are a large bank does not necessarily mean they sell a good product OR have financial staff able to give good financial advice. This particular situation involved an elderly person who put more faith in a bank than an investment firm with mutual funds.