That “bonus annuity” might not be the bonus you think it is… 💭 When your goal is growth, chasing a big upfront bonus can actually hurt you long term. Here’s why: 💡 That bonus isn’t free — it’s often offset by lower caps and participation rates 🕒 You’re usually locked in longer with stricter surrender terms 💸 And if you leave early, you could lose part (or all) of that bonus since many are vested over time So instead of focusing on the bonus, look for what really matters: ✅ Rate integrity — c