General American Annuities

American General Life Companies October 8, 2009 Bulletin 09 ...
COMPLIANCEUPDATE American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including ... Document Viewer

Goldman Playing Cowboy In Chile Seen Luring U.S. Copycats
Goldman Sachs Group Inc. (GS) ’s plan to sell bonds with a maturity of up to 50 years in Chile may pave the way for more offerings from U.S. companies. ... Read News

Annuity Class Action Litigation—Trends And Strategies For ...
Annuities, including sales of annuities to senior citizens. Examples include examinations of: 2007, California’s attorney general announced a settlement with American Investors Life Insurance Company, Family First Insurance Services, and ... View Full Source

Retirement Planning: Get The Right Professional Help
It makes sense that you might need professional help to plan a secure retirement, but make sure you hire the right people ... Read News

Is The AIG Global Index Annuity Series Right For Your Client ...
Annuities issued by: American General Life Insurance Company A member company of American International Group, Inc. (AIG) 2727-A Allen Parkway, Houston, Texas 77019 Single-Premium Deferred Annuity Contract Number 07109 (AIG Global Bonus IndexSM) ... Read Content

Savings2Income Offers Personal Retirement Savings Advice For Overcoming Today’s Troubling Economic Situation
In response to The Washington Post’s article on the “fiscal trouble” facing future retirees, Savings2Income offers personal retirement savings advice to allay people’s concerns. (PRWeb March 04, 2013) Read the full story at http://www.prweb.com/releases/2013/3/prweb10485287.htm ... Read News

Variable - NH.gov - The Official Web Site Of New Hampshire ...
Variable annuities naic# group domicile company name address city state zip exclusions 60488 12 tx american general life insurance company po box 1591 houston tx 77251-0000 na 66842 12 de american general life insurance company of delaware ... Return Document

AIG American General American Funds Distributors, Inc. 027 ...
New England Annuities AIG American General ... View Doc

Midland National Directory Of Approved Investment Companies ...
VARIABLE ANNUITIES VARIABLE UNIVERSAL LIFE Ameritas American General (Svc Only) AXA American General American Legacy Ameritas AXA Equitable ... Read Here

WITHDRAWAL/SURRENDER REQUEST FORM - Great American Financial ...
Loyal American Life Insurance Co® Great American Life Insurance Co® Of New York Mailing Address: PO Box 5420, Cincinnati OH 45201 Fixed Annuities Mailing Address: PO Box 5423, Cincinnati OH 45201 Variable Annuities Overnight Address: 525 Vine St, 7th Floor, Cincinnati OH 45202 ... Return Doc

AGLC105800 URL Change - Marketing Index File
American General Life Companies . Title: Microsoft Word - AGLC105800 URL Change.doc Author: U40MS10 Created Date: 7/26/2012 12:28:48 PM ... Retrieve Doc

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT ...
American Equity Life’s General Counsel from June 1999 until she became CEO and President. Waugaman also became a member of American Equity’s Board of Directors in 2008. Waugaman served as outside corporate counsel for American Equity from its ... Fetch Here

Tax Terms A-Z - Tax Glossary - About.com
Annuities - Tax Glossary. Definition of Annuities: Annuities are a type of tax-deferred retirement plan. Archer MSAs - Tax Glossary. Definition of Archer MSA: Medical Savings Accounts are tax-deductible savings accounts to save for medical expenses. ... Read Article

ANNUITIES - Kentucky: Personnel Cabinet - Personnel Cabinet Home
ANNUITIES. 0001009 Citizens Security Life 01. 0001014 Commonwealth Life 01. 0001032 Jefferson-Pilot Life Ins. (Ky Central Life) 01. 0006506 General American (Att: Student Loans), Dublin, OH. 0006507 Van RU Credit Corp., Lincolnwood, IL. ... Retrieve Here

Companies Offering 403(b) Services To Los Angeles Unifi Ed ...
• Annuities are fi xed investments paying roughly 4%. Most are sold through an agent. • Variable annuities are mutual funds sold by insurance companies. General American Life Insurance Company Golden State Mutual Life Insurance Co ... View This Document

Pension Benefit Guaranty Corporation - Wikipedia, The Free ...
General bankruptcy principles hold that executory contracts are avoidable in practice, because neither party has fulfilled its part of the bargain and thus breach by either party only gives rise to expectation damages. ... Read Article

Indexed Annuities - Welcome To BGA Insurance
American General Horizon Index 9 & 12 SPDA SPDA Global Index 8 Extended Care Rider Available up to age 86. Indexed Annuities Last update March 1, 2013 American National Aviva SPDA SPDA Strategy Index Annuity Series Income Preferred Bonus Product/Type ... Doc Viewer

Variable Annuities / Variable Universal Life
Variable Annuities / Variable Universal Life Product Sponsors Phone Number Website Address AIG* - 800-255-8402 - www.aig.com AIM Management* - 800-410-4246 - www.aiminvestments.com American General - 800-251-6071 - www.aigag.com American National - 800-252-9546 - www.anico.com American Skandia ... Get Content Here

Special Issues For Variable Annuities ...
Insurance Issues of the American Academy of Actuaries. hold MGDB reserves in the General Account. PN31/L99-06 As noted above, annuities are available to support the liabilities of the General Account. This is different from ... Doc Viewer

Policy Owner Service Carrier POS Phone Number
American General Annuities 800‐424‐4990 ‐ Agent Policy Service American General SPIA 888‐438‐6833 ‐ Agent Policy Service American General Variable Universal Life 800‐340‐2765 ‐ Agent/Owner Policy Service American ... Get Doc

Quality Of Life Insurance By AIG Agent Kimberly Nguyen - YouTube
For over 108 years, AIG American General provides Life Insurance, Business Insurance, Long-Term Care Insurance, Fixed Annuities and Retirement Plans to meet all your family and business owners insurance protection and financial needs. ... View Video

AG VisionMaximizer Annuity
Annuities issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019 Annuity Contract Number 05490. Amendment Number AGLC102490-2007. Extended Care Rider Form Number 04049 or 03049. Monthly Average Account Rider Form Number 06204. ... Retrieve Here

April 2011 Annuities

April 12, 2011 - United States Department Of Labor
April 12, 2011 Oliver Wyman report: Assessment of the impact of the Department of Labor’s proposed “fiduciary” definition rule on IRA consumers . annuities. Figure 2: Retirement assets constitute ~$20 TN of the total $40 TN of investable ... View Full Source

American Academy Of Actuaries' April 4, 2011, Briefing On ...
American Academy of Actuaries' April 4, 2011, • Promoting lifetime income arrangements such as annuities. Category Nonprofits & Activism. License. Standard YouTube License Show more . Show less . Loading Loading ... View Video

The Finance Bill 2011 And Other Changes PENSION NEWS (continued)
Out after 5 April 2011. Short term annuities Short term annuities (payable for a term up to five years) no longer need to end before age 75. Recycling tax free cash Currently if a member uses their tax free cash to fund contributions to a pension plan ... Content Retrieval

Goldman Playing Cowboy In Chile Seen Luring U.S. Copycats
Goldman Sachs Group Inc. (GS) ’s plan to sell bonds with a maturity of up to 50 years in Chile may pave the way for more offerings from U.S. companies. ... Read News

April 2011 annuity Advisor - Fixed annuities And Life ...
For fi xed annuities providing non-varying income, an exclusion ratio must be determined for the SPIA contract. The exclusion ratio (which is expressed as a percentage) is then multiplied by each income payment April 2011 annuity advisor.indd ... Fetch Here

Investor Bulletin - U.S. Securities And Exchange Commission ...
Indexed Annuities An indexed annuity is a type of contract between you and an insurance company. During the accumulation period – when you make either a lump sum payment or a series of payments – the insurance company April 2011 2. Created Date: 4/22 ... Doc Viewer

NASHO Asks For Ancillary Inclusion In Exchanges
From Michael Meulemans, About.com Guide April 22, 2011. Follow me on: Facebook; Twitter; See More About: Life Insurance and Annuities; Property and Casualty Insurance; Workers Compensation ; Insurance Company Profiles; News and Trends; Insurance Careers; ... Read Article

THE PRINCIPAL FINANCIAL GROUP INDIVIDUAL ANNUITY INTEREST ...
FIXED DEFERRED ANNUITIES Principal Secure Fixed Annuity Fixed Deferred Annuity Products with NO MVA Guaranteed Minimum Interest Rate (GMIR) = 1% Initial Base Rate 01/04/2011. NOTE: All products may not be available to all distribution channels. ... View This Document

Contents: What Is An Annuity? When Might I Need An annuity ...
Annuities can be bought with savings or with a pension fund. Annuities are commonly used for retirement plans, (link to retirement planning booklet) as part of a retirement From April 2011, the UK Government will end the rule that means you have ... Access Doc

Wealth Strategies: The Dangers Of Equity Indexed Annuities ...
Part 2: www.youtube.com Part 3: www.youtube.com Part 4: www.youtube.comVideo Rating: 0 / 5. The Dangers Of Equity Indexed Annuities part 1.mov. ronrutjr says: January 13, 2012 at 1:06 am. April 2011; Pension calculator ... View Video

Variable annuities - The Fowler Group
Not FDIC/NCUA insured • May lose value • Not bank/CU guaranteed Not a deposit • Not insured by any federal agency 5% Withdrawals Death Benefit ... Read Document

Even Better Rates For annuities
Alex Koodrin 8 April 2011 Even better rates for annuities Based on adviser and customer feedback, CommInsure has increased the rates on its Lifestream short term annuities. ... Access Full Source

International Section, International News, Issue 53, April 2011
Issue 53 APRIL 2011 2 Editor’s Note By Carl Hansen 3 Chairperson’s Corner By Alan Cooke 5 Ambassador’s Corner other topics, such as variable annuities. I was invited to speak recently on global pension issues at the Current Issues ... Visit Document

From Yahoo! News: Annuity Think Tank’s video, “The Truth about Fixed Indexed Annuities” goes viral on youtube with over 37,000 views.(PRWEB) 2011 . Annuity Think Tank’s video, as the cast prepares to celebrate its 50th anniversary on April 1. ... View Video

PU1025 - Removing The Requirement To Annuitise By Age 75
Requirement to purchase an annuity by the age of 75 from April 2011. 1.7 . Annuities remain an effective way of insuring against the risk of exhausting savings prematurely and are good value in comparison with other similar products. Research shows that ... Retrieve Here

The Phoenix Companies - Wikipedia, The Free Encyclopedia
Connecticut and had approximately 600 employees as of the end of 2011. April 10, 1997 External links Retrieved from "http://en.wikipedia.org/w/index.php?title=The_Phoenix_Companies&oldid=518160534" Categories: Companies listed on the New York Stock Exchange; Life insurance companies; Insurance ... Read Article

Texas Life, Accident, Health & Hospital Service Insurance ...
Law on April 29, 2011. This legislation amended several portions of and introduces new items Increase the coverage for structured settlement annuities from $100,000 to $250,000 of the present value of annuity benefits per each payee, 4. ... Access Document

Response To Assumptions Consultation Apr11
For valuations with an effective date on or after 1 April 2011. 3.3.3 We are not inclined to go along with the suggestion that we allow the annuities market due to CPI and the move towards insurers’ adoption of Solvency II. ... Retrieve Document

Assumptions Consultation Feb 2011 - Pension Protection Fund
2.7 Insurers’ pricing of bulk annuities business 6 Section 3 Policy principles around setting assumptions for section to go ahead from 1 April 2011 and we propose to make changes to our assumptions from 1 April 2011. ... Read Full Source

Additional IRS Rulings On Contingent Deferred Annuities
Late in April 2011, the IRS released two more private rulings, PLRs 201117012 and 201117013, that it had issued on Jan. 20 of this year covering the same subject matter Additional IRS Rulings on Contingent Deferred Annuities Author: ... Fetch Full Source

Tax Year 6 April 2010 To 5 April 2011 - HM Revenue & Customs ...
Loan began before 6 April 2011, put ‘X' in the box If your employer has deducted Student Loan repayments annuities and other state benefits received Other UK income not included on supplementary pages Other taxable income – before expenses and tax ... Fetch Document

Statutory Prospectus Supplement Dated January 21, 2011
Meeting to be held in or around April 2011. If the Agreement is approved by shareholders of the Target Funds and certain conditions required by the Agreement are satisfied, the reorganizations are expected to be consummated shortly thereafter. ... Content Retrieval

UNIVERSITY OF CALIFORNIA RETIREMENT PLAN
April 2011 D-1 UNIVERSITY OF CALIFORNIA RETIREMENT SYSTEM A HISTORICAL PERSPECTIVE UNIVERSITY OF CALIFORNIA RETIREMENT PLAN 1904 UC introduced its first employee pension plan, purchasing annuities for retiring professors at its two campuses-UC Berkeley and UC San Francisco. ... Doc Retrieval

SIPPNEWS 9: CHANGES FROM 6 APRIL 2011 23 August 2011 A ...
Before 6 April 2011 there was an exemption from the Annual Allowance test in the year that benefits - purchased life annuities; or - income drawdown. Furthermore, there is no requirement for ‘secure pension income’ to include any indexation or spouse ... Retrieve Content

Irish Institute Of Pensions Management
26 April 2012 . 2 Agenda 1. Background 2. Overview of sovereign annuities 3. Risks 4. 2011 . Conventional vs Sovereign annuity Conventional annuity Pays an income for the purchasing Sovereign Annuities and still avail of the Funding ... Document Viewer

Sell Fixed Annuities

Goldman Playing Cowboy In Chile Seen Luring U.S. Copycats
Goldman Sachs Group Inc. (GS) ’s plan to sell bonds with a maturity of up to 50 years in Chile may pave the way for more offerings from U.S. companies. ... Read News

What Seniors Need To Know About Annuities
Annuities – fixed annuities and variable annuities with several variations: Fixed Annuities guarantee that your money agents and brokers who sell insurance products obey the laws . However, many elderly individuals have been taken ... Get Content Here

CALIFORNIA SENATE BILL 620 CONTINUING EDUCATION REQUIREMENTS ...
Senate Bill 620, issued in 2004, mandates that all insurance agents who wish to sell fixed rate Annuities representative for help in determining which course you need to complete at this time. CPS will reimburse the cost of the online WebCE course for all agents that submit fixed ... Document Retrieval

4-HOUR ANNUITY TRAINING
All Life agents who sell annuities in California must complete a specific continuing education program before renewing. owners of fixed annuities could sometimes receive double-digit interest rates during their annuities’ early years. ... View Document

Guggenheim Is Flexing Its $170 Billion Muscles
When the bidding began last winter for the Los Angeles Dodgers -- a storied baseball team in America's capital of glamour -- the lengthy list of suitors was predictably studded with bold-faced names. There were TV celebrities like Larry King, baseball luminaries like the former Dodgers great Steve Garvey, billionaire investors such as hedge fund mogul Steve Cohen, and prominent owners of other ... Read News

Variable Annuities - SIAS
Recommend one the remainder (73%) state that they would sell one if a suitable investor were to approach them. d) Structure: sales of fixed annuities. Graphs shown the split of sales by distribution channel are shown below: Financial planners, ... Fetch Document

Non-Qualified Annuity Ownership, Annuitant, And Beneficiary ...
Non-Qualified Annuity Ownership, Annuitant, and Beneficiary Arrangements… Does it Really Matter? Selling non-qualified annuities is usually portrayed as a rather simple matter. ... Document Viewer

Bibliography - Life Insurance - Annuities
Fixed Indexed Annuities (Iowa data call December 2008), Adopted by the Life Insurance and Many of the tax benefits of variable annuities no longer exist, but the hard sell continues, Ellen Hoffman, BusinessWeek, February 7, 2005 ... Fetch This Document

United States District Court For The Northern District Of ...
American National implemented a deceptive scheme to systematically market and sell fixed and equity indexed deferred annuities, Annuities did not comply with certain California statutes requiring American National to disclose the surrender ... Return Doc

Annuity Sales & Service Center
Genworth's new fixed index annuities, the SecureLiving Index 7 and SecureLiving Index 10 Plus go live on December 12, 2011! In many states, product specific training is required in order to sell these products. Genworth offers these short, ... Get Doc

Athene Annuity Gains Access To NY Life Market With Deal For ...
Belardi said Athene's narrow focus on fixed annuities has helped it perform better than others. Yet even so, he conceded that the company is searching for thanks to a targeted effort to sell products to retirees at one unnamed company. ... Fetch Doc

What You Need To Know Before You Buy An Equity-Indexed Annuity
* Equity-Indexed Annuities are also called Indexed Annuities. >> Do I want a fixed annuity with a guaranteed interest rate and little Companies that sell EIAs may compute interest using the simple interest method or the compound ... Fetch Doc

A Guide For Consumers - Florida's Department Of Financial ...
Insurance agents and companies that sell annuities. Kinds of Annuities There are several ways to categorize annuities, and any one annuity may fit into Fixed Annuities A fixed annuity provides fixed-dollar income payments backed by the guarantees in the contract. ... Access Doc

RECORD, Volume 31, Number 1 - SOA - Society Of Actuaries
Hot Topics in Fixed Annuities 2 MR. DOUGLAS L. ROBBINS: I am Doug Robbins. I will be the moderator and the carriers that sell annuities through captive agencies. It is interesting to note that the bank channel is really top-heavy. ... Fetch This Document

Tax-Sheltered Retirement Plans - Welcome To Utah State University
The annuity pays a base return, but it may be higher if the index increases Fixed Annuities might be for: Individual who wants guaranteed interest rate Sell enough annuities to qualify for both a 5 night stay in Cancun and a 7-night Caribbean cruise. ... Get Content Here

How Safe Are Annuities? - Advisor Perspectives
Well-recognized companies that sell products in all or most states and offer well-diversified product lines. fixed annuities where the insurer can adjust credited rates, subject to a minimum guarantee. ... Get Content Here

Suitability Developments In Annuity Sales In Texas
Variable annuities and $75.6 billion of fixed annuities. Variable annuities now hold almost $1.4 • Potential tax penalty if customers sell or redeem variable annuities before reaching age 59 ½; • Mortality and expense fees; ... Access Document

A Consumer’s Guide To Annuities
May select payment for a fixed period of time such as 20 years or for as long as the annuitant is living. Other settlement options guarantee a certain number Some companies sell equity indexed annuities. Under an equity indexed annuity, the interest credited to ... Retrieve Content

Quick Q&A On Fixed Index Annuities - Michigan Medical ...
While most fixed annuities (FAs) use only a set rate in calculating the credited interest, the FIA’s credited interest 2008 in order to sell these products in the state. Other states are expected to impose similar regulations. ... Fetch Content

204983 MM TS Annuities - AARP - Health, Travel Deals, Baby ...
Insurance companies sell two main types of annuities—fixed and variable—but each company has its own products, with different costs and features. Here’s a general description of how fixed and variable annuities work. ... Get Content Here

Annuity Watch List - STATES - The National Association For ...
This would of course seem to implicate the sale of fixed annuities. get licensed in October 2011, for instance, and could still sell annuities without completing the CE training—as long as the individual completed the training by the January 31, 2012 date. ... Fetch Full Source

Borrowing Against Annuities

Chapter 11 - Life Insurance
O Naming beneficiaries, surrendering, borrowing against CSV, receiving dividends, etc.  Unlike property insurance, life insurance is freely assignable to others Chapter 14 Annuities  What are life annuities? ... Fetch Content

Common TSA Questions - Creating & Managing Wealth, LLC
May I Borrow Against the Money in my TSA? Yes. The Tax Equity and Fiscal deciding whether a TEFRA loan is better in your circumstances than borrowing from a bank or dollar annuities, equity indexed annuities, variable annuities, and 403(b)(7) custodial accounts. There are some ... View Document

LIFE INSURANCE And ANNUITIES - California Department Of Insurance
For borrowing funds at the interest rate specified in the 6 State of California Department of Insurance. Life Insurance and Annuities 2 Your best defense against an ill-advised replacement or change to your life insurance policy or annuity is knowledge . ... Return Doc

Replacement Of Life And Annuities ~ External - 003 G
If you are considering borrowing against your existing policy to pay the premiums on the proposed policy, you should understand that in the event of Microsoft Word - Replacement of Life and Annuities ~ External - 003 G.doc Author: eriepole ... Access Document

Goldman Playing Cowboy In Chile Seen Luring U.S. Copycats
Goldman Sachs Group Inc. (GS) ’s plan to sell bonds with a maturity of up to 50 years in Chile may pave the way for more offerings from U.S. companies. ... Read News

Questions And Answers About Swiss Annuities
Should be considered when borrowing against your annuity. Loans can only be granted during the accumulation period annuities, when properly structured, cannot be attached or seized, and cannot be included in any bankruptcy proceedings. ... View Doc

BORROWING BY A SIPP OR SSAS - MW Pensions.co.uk
Purchased annuities are excluded from the calculation of the net assets . What about VAT on a property purchase? If any borrowing from a connected party is on non-commercial terms, HMRC will impose penal taxes. Who takes out the borrowings? ... Get Document

Caution: Deferred Compensation Loans Could Be Dangerous
Borrowing from their deferred compensation plan is not the best solution. The rules: You can borrow up to 50% of your account balance or $50,000, whicheveris less. Group annuities are long-term investments designed for retirement purposes. ... Read Here

Ameriprise Financial Services, Inc. Distribution Request For ...
Annuities only If you are invested in multiple subaccounts within the annuity, and you are requesting a partial distribution from your annuity You must report the $2,000 as tax withheld, and it will be credited against any income tax ... Retrieve Here

EQUI-VEST TSA LOAN REQUEST FORM - NCompliance | Carruth ...
FORM #992-3115 E6160 Cat. # 127331 (10/05) EQUI-VEST® TSA LOAN REQUEST FORM AXA Equitable Life Insurance Company (“AXA Equitable”) requires the following information in order to process a loan against your ... Access Doc

Income Solutions For Life
Instead of borrowing money, • Protect you against fluctuations in the market - you’ll always know what your income will be no matter what the markets do Annuities generate a consistent income for the length of the portfolio owner’s life ... View This Document

Long-term FinanciaL Protection Whole Life WhoLe Life ...
Policy builds cash value that you can borrow against. Dividends* can increase the policy’s cash value over time. *Dividends, while not guaranteed, Annuities and life insurance policies are issued by American Family Life Insurance ... View Full Source

Tax Reform Act Of 1986 - Wikipedia, The Free Encyclopedia
Assesses substantial back taxes, penalties and interest on that third-party intermediary company, though not directly against the worker or the end client. ... Read Article

Annuities: Basics You Need To Know - RetirementWORKS For You
Borrowing against your house to buy an annuity, for example, is rarely (if ever) a good idea. If you have lots of money, you don ˇt need an annuity, because there is not much danger Annuities normally pay an income for one person ˇs life, but you can ... Content Retrieval

LERACH COUGHLIN STOIA GELLER RUDMAN & ROBBINS LLP
Purchasers of deferred annuities by uniformly failing to disclose key risks and adverse material information in its marketing and policy materials. annuity, or by borrowing against an existing permanent life insurance policy. 5. ... Retrieve Document

Gold As An Investment - Wikipedia, The Free Encyclopedia
Bullish investors may choose to leverage their position by borrowing money against their existing assets and then purchasing gold on account with the loaned funds. Leverage is also an integral part of buying gold derivatives and unhedged gold mining company shares (see gold mining companies). ... Read Article

NOTICE REGARDING REPLACEMENT OF LIFE INSURANCE AND ANNUITIES ...
OF LIFE INSURANCE AND ANNUITIES - PENNSYLVANIA FReliaStar Life Insurance Company, Minneapolis, MN If you are considering borrowing against your existing policy to pay the premiums on the proposed policy, you should understand that in the event of your ... View This Document

Mortgages, Annuities, And Loans
Annuities Allison Keith & Carly Mueller April 6, (the principal) increases as interest accumulates Payments can be made against the principal. LOANS… MORTGAGES… Real Estate The cost of borrowing to buy a home is now at its lowest level in almost 4 decades According to Freddie Mac, ... Read Content

• Borrowing against or, • Selling all or part of home Loan is repaid once property is sold on death or permanent disability (moving requirement for annuities, as well as high distribution cost associated with insurance companies means long term ... Retrieve Content

TAXPOLICY January 1990 - U.S. Government Accountability ...
Hurt but Recent Changes ity Act of 1982, borrowing against deferred annuities is presently con- May Have Helped Sales of sidered a taxable distribution. In addition, if that borrowing comes Deferred Annuities ... View Document

Citi Personal Wealth Management
Annuities, please consider the investment objectives, risks, charges and expenses associated with the funds and separate accounts of the annuity carefully before investing. Borrowing against securities may not be suitable for everyone. ... Get Doc