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For advice in CT on Annuities: Fixed, Variable, Indexed, and No/Load Annuities call the Annuity Advisor, Chris Angle (203) 253‑2008. Our Insurance Products include Annuities, Life & Health Not all annuities are Expensive with high Fees. There are low load annuities out there. See our web site www. annuity-advisor-ct.com for a discussion on annuities Asset Risk management has the first No-Load Variable Annuity with a Flat Insurance Fee. Asset/Risk Management are experienced brokers and have access to the first no load variable annuity with a very low flat monthly insurance fee.