Unfortunately, it’s not the euphoria of a win in Vegas. Rather, it refers to the number of contract holders that have pulled the utilization trigger on their annuity living benefit guarantees. And it’s on the rise. Coupled with past hedging concerns, the number of contracts now in the money has people worried, and is a major reason for the recent TARP announcement. So what due diligence are you taking to properly place your client’s money? We turned to Louis Hughes, CFP, Investment Centers of America, for help. No surprise, Hughes is going far beyond the rating agencies when looking into a carrier’s solvency.