11/2 Quick: Do you have an annuity? Do you have more than one?

And possibly, are they with two different companies?

We can obtain a guarantee on the balance of transfer. If applicable, we can earn a 6% Bonus on the balance. We can protect against negative market fluctuations and while protected, your money grows with a tax deferred benefit. Yes this scenario exists and yes if the market plunges, you recieve a 0 instead of a (-you put the amount here).

Thanks for your time.