### Comment:
7% is pretty normal for a VA. I’ve seen ones now you can pick your commission schedule. 7% upfront w/ 25bps trail, 1% annual, 4% upfront 50 bps trail etc. Commission schedule isn’t indicative of the annuity quality.

### REPLY:
I understand your point and 7% is normal. Commission does have some influence on the product however. The higher the upfront commission possible the longer the CDSC and the higher the trail possible normally the higher the contract fees are. Of course, this is a generalization and not a guarantee your product is worse because commission is higher.

### END.