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Variable annuities are a form of life insurance that includes a lump-sum death benefit and one or more tax-deferred investments, often mutual funds, which are supposed to provide income during a client's lifetime. They can be particularly lucrative for insurers because of high upfront commissions, plus ongoing “trailer” commissions and the underlying fees for the mutual funds included in them. The lawsuits come at a particularly sensitive time for Morgan Stanley and the brokerage industry which recently ...
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