There are without a doubt, many agents out there that do not like to sell crediting methods that are tied to a fee. Fixed Indexed Annuities became popular partly do to the fact they have no fees. You can request a list of the top performing products that do not have a fee.
Call your FMO and request a list of top performing crediting methods that do not have a fee. You will need to also supply the basic sorting criteria such as: State, Carriers, Products, Term, Reset Periods etc…
Below is an example of a Highest No-Fee Method report:
Click Image To Download PDF