So my client took out an annuity in August before i met her...that gave her a 1.45 bonus and 1% min guarantee. It had a ROP rider which was great! I met her 2 months ago and obviously sold her a much better annuity product offering a greater amount of interest. Especially the bonus. The carrier declined the case because although she does not have any surrender charges, if the client is not in free look status they will not take the case due to a 3 year rule they have. Are all carriers the same? Do I really have to wait 3 years before I can get her out of that annuity? Any suggestions of carriers that would accept this would be greatly appreciated. I was offering her a 10% bonus 10year contract. I'm in Illinois. Thank you