Zurich International and Friends Provident: Variable Annuity Mysteries

If you invest with Zurich International or Friends Provident, you might own a Variable Annuity product. 

Popular with salespeople, they are sold prolifically through South East Asia.  But I want to read a balanced report on such products:  something indicating that they’re a good deal for investors.  

For the breakdown of a product sample, check out my post, Zurich International and Friends Provident, Should You Invest With Them?  And help me find a published report suggesting they’re fair. In the comments section below, please show me sources indicating such products make sense for the investor–and not just the salesperson.  Negativity about such products is rampant.  Let’s find a counter argument.

Three Reasons To Buy An Annuity–The Motley Fool

Nine Reasons You Need To Avoid Variable Annuities—Forbes

Variable Annuities, Buyer Beware – CNN Money

Variable Annuities, Greed At Work – USA News

Variable Annuities Don’t Belong in Retirement Plans – Forbes Magazine

Stay Away From Variable Annuities–Suze Orman (youtube)

Are Variable Annuities A Good Investment? – The Wall Street Journal

Can something balanced, with academic sources, be found?