I’m guessing your broker doesn’t sell these because there are no big commissions! But that’s just a guess, and I’m not familiar with this product. So I’m going to send you directly to my annuity expert “Stan the Annuity Man” at 800-509-6473. He is a friend of the consumer when it comes to annuities. And he will be his “brutally honest” self in explaining the alternatives to the choice you are being offered.