"Investment seminars" are the latest way insurance companies have come up with to sell annuities.

The invitation you get in the mail seems harmless enough and often includes a free meal at a local restaurant or hotel ballroom.

But there's nothing harmless about the scary, high-pressure sales tactics salesmen use at these dinners and luncheons.

Indeed, an annuity's chief selling point is security, playing on the common fear that we'll outlive our savings.

The problem is that you'll pay dearly for that security and receive a pretty puny check for the amount you've invested.

Click here to learn more about why you shouldn't buy annuities.