Do you know what a "High-Participation-Rate Index Annuity"  is?  Due to rising interest rates on long term treasury bonds insurance companies have increased their rates dramatically, while banks have not. Today's top annuities can pay income of 5% to 11% for life, depending on age and deferral period.  For those not seeking income, but rather principal protected growth, we'll examine HIGH-PARTICIPATION-RATE Next Generation annuities on today's show-- an important show you don't want to miss...MASTERING MONEY is on the air!!