What not to say when selling fixed annuities

Here are some prime examples:
o Don't use words that lead consumers to believe that an insurer's financial strength, or lack thereof, is irrelevant because of government guarantees.
o Don't imply in writing or speech that premiums will disappear unless they absolutely will on a guaranteed basis rather than a projected basis.
o Don't suggest annuities are similar to bank products, securities, retirement plans or other non-annuity or non-insurance products.
o Don't say benefits are unavailable to other consumers in the same class, i.e., that they are unique to the individual in question.
o Don't imply that your product is issued by or affiliated with a government agency.
o Don't hide the true identity of the insurance providing the annuity, suggesting some other entity is responsible for the benefits provided.