With a growing volume of retirement funds moving into annuities, professional education in this area is more important than ever. This training text follows the political process by which fixed indexed annuities remain regulated like insurance products--rather than securities. After establishing that background, the book uses case studies, analysis of "black letter" law and expert interviews to give professionals the tips and tools they need to sell annuities ethically--and effectively. Includes checklists and sample forms based on NAIC model law and other regulations and guidelines.