Remember the Allianz Income Protector and Energy12…

1. I guess it has something to do with the stock market. Most retail investment products in the U.S. are benchmarked against the stock market. If a product’s return is consistently way below stock market return, like average 4%, the product will not be launched, or will not survive.
2. Another reason is income tax. Most of the investment returns would be taxed at 25% or higher.