I have been seeing their ads for above average rates for years, Finally went in and the nice lady that works the front desk gave me what I now realize is the exact same spiel as they are known for . Once she brought out the side by side chart to compare CDs with annuities I knew what was happening. I own fixed annuities and am not opposed to them. I didn't go in to buy an indexed annuity which was obviously what was being offered. . I figured it the goal was to get you in for six months and then auto renew you at a lower rate. I was wrong, The goal is to get you to buy a fixed annuity. My rep even had the audacity to tell me they make the same commission from the CD as the annuity. Sureeee. Anyway, I smelled a rat and walked out. You know the old adage... read more

I've invested with their Mesa AZ. office over the years. Just the $15,000 minimum and always gotten the interest advertised for the 6 months. Then I got talked into and annuity backed by the S&P. Would have been okay until I realized what a capped account is. Stuck with it for 10 years. Earned basically nothing. Now they sent a renewal on the account 2 months after I had to approve that. So they renewed it for for me for again basically nothing. Will not answer my phone calls or return them. Filing complaint with the state and any other organization that over sees these out fits. Stay away from this group. Its all fraud. read more

JUST A BAIT AND SWITCH. Nothing that was advertised was discussed in the meeting....selling annuities not CD's and the final disclosure was not what we did talk about...suddenly we were in a Money Market account. Sad because up until that time we thought it was legit and had given him our check..after thinking how gullible we were I stopped payment on the check. read more

My husband and I were very satisfied with our meeting with Mike at Sun Cities in Mission Valley. He answered all our questions as expected. His professionalism and patience helped our confidence in knowing we were making the right decision in depositing our hard working savings in an annuity. Its a relief to know our family will be financially secure. Monique & Marco read more

I have only done investing using a bank and I saw an add for a CD so I went into their office with a bit of skeptism. I was very surprised on how great I was treated and also getting a rate on my CD that my bank couldn't provide. when my other accounts come due I will be coming back. Thank you read more

A few years ago, I responded to their ad about a CD. I think they stated that they had many banks to deal with. But at the appointment, he only had one, and he said I didn't qualify since I already had a bank account with that bank, Bank of Internet. Last week, I responded to another of their high interest (4.8%) CD ads and scheduled an appointment with Michael McMahon. But when I saw some very negative reviews on the internet, including that their advertised rates are only on $15,000, I called him back. He stated that this interest rate was not limited to $15,000, because they deal with thousands of banks. (Their ad states $15,000 as the minimum.) When I went in, he reiterated thousands of banks but immediately started talking about an annuity. I love annuities but sell them to myself, so I switched back to the CD. I turns out that of the thousands of banks, there's only one that the ad applies to, and that happens to be the same bank from a few years ago, namely Bank of Internet (recently changed its name to Axos Bank), with whom I no longer have an account. But the maximum deposit is $15,000! So their "over 6,000" banks comes down to one, and their minimum $15,000 turns out to be a maximum of $15,000. Total waste of my time! read more

This company is a fraud and scam. Kari Smith lies about the terms of annuity. She kept on lying until I called Oxford insurance company and they told me all the information given to me was lie. They scam senior citizens. AVOID THEM. read more

I wish I could give couple negative stars, OMG DO NOT WASTE YOUR TIME. This is a major BAIT AND SWITCH like nothing I've seen before. At the phone call to set up my appointment is was told absolutely no problem with getting the 4.85% CD. Yikes!!! it was BS from the minute I walked in "Cary's" office in Oak Brook, IL. I wont' go into it all, as reviews on this page have already posted EXACTLY what happened to me. Fortunately I am wise enough to see BS a mile away. After listening to her try and spin out of every question I had, she then had to back pedal thru the very short meeting, I stood up, looked her in the eyes and said "we're done here". Then she had the balls to ask me if she could contact me with future financial offers, WTF. Keep your money far far away from this operation. And for the people out there who think annuities are great investments, you REALLY need to research in depth where you're putting you're money. P.S. Cary if you feel inclined you can send me a hundred bucks to cover my gas, and time for the hour each way to you office, a bargain for you. Dave read more

Visited San Diego office for appointment to discuss laddering CDs. Conversation led by Mike almost immediately turned to annuities which were not the preannounced reason for appointment. Clearly "bait and switch" strategy to wrangle in potential annuity customers. Requested three times a copy of the annuity contract to review. Unwilling to provide until check in his hand and then a 15 day "review period" to begin. Beware that customer needs may not be addressed. read more

This is a firm selling annuities. The ad is to get you in the door. The reason it says minimum $15,000 is that they only offer the 4.75% on the first $15,000, the rest gets, say .085% or 1.00%. If you want the 4.75% on $15,000 be prepared to go back each 6 months for the same spiel. The conversation is to show you an annuity product at 6.75%. Never buy an annuity. read more

I responded to an ad placed in the Los Angeles Times newspaper offering a 4.8% 6 month cd. I met a man first name Fred at the Glendale office. He began by offering a bank paying the advertised rate but only for the first $15,000, the balance at a 1% or so rate stated in very small print compared to the very large printed 4.8% offer. He then tried to pitch an annuity on to me, very different from a cd. I felt this was a classic case of "bait and switch" and very deceiving to investors. Remember,if it sounds too good to be true, it usually is read more

I saw an add in the newspaper and replied at the office to invest some money. I was told the man to see Blane, was only there for appointments on Wednesdays.i tried to set up an appointment numerous times. First i was told they were two weeks out, as they had scheduled appointments for the fowling week,and had a the week after. i was willing to wait and an appointment was scheduled for three weeks out. The day of my appointment i was called and told another excuse of an accident, forty five minutes before scheduled time,and someone would call and reschedule. I have had no responce since. and that has been two weeks. I have called time and time again and Blake ignores my calls. they must be to busy, although why would you place adds?Blake must be making so much money he doesn't have time for a six figure annuity. one phone call to another company and they were happy to see me that day. I think i have built a solid relationship with man. BLAKE YOUR LOSS TO BAD YOURE SO BUSY read more