Annuities Getting Rid of a Bad One

Today we're going to talk about how to get rid of a bad annuity. Well Dick, is there such thing as a bad annuity? Dick: Unfortunately, Eric, there are some bad annuities. Eric: Oh no, don't tell me that. Dick: Just like any other investment you can make a bad decision.

You can buy a bad annuity. The best way I've found, to not have to get rid of a bad annuity, is just not to buy one. Eric: If you don't make the mistake upfront, you don't have to suffer the consequences. Dick: Right, right, right.

So folks do you research, watch our videos, watch other videos. Just read, look at what's out there, and just use some good judgment. Eric: Well, that's a nice summation. Are we done? Dick: That's the video.

Eric: Well, I guess we should define when we talk about bad annuities; it's really a personal situation. Dick: Yes. Eric: It's you end up with an annuity that doesn't fit your financial goals or your objectives. Dick: And it is possible that your financial goals or objectives change, so maybe the annuity wasn't bad originally.

Eric: It's just bad now. Dick: It's bad now and the other thing that we find happens, not so much recently as over maybe the past few years the annuities, folks, have went through quite an evolution, and we believe have reached kind of a level. Where they've; I won't say they've plateaued, but they've come out with these innovative riders, income riders; they've become very competitive with each other and we've kind of seen what would seem to be a leveling off of what we could expect for any of these annuities. Eric: Yeah, and the nice thing is its innovation.

Dick: Yes. Eric: You've got companies, there's competition for your dollars, they want to design the best product that one, creates a need or satisfies a need for you, and those strategies make you money, make the company money, and that's really what they're designed for. Dick: And unfortunately, if you were one of the early ones in, buying the annuities that were available four or five years ago and you compare it to what's on the market today, with the contractual guarantees, you may be a little disappointed. Eric: It's buyer's envy I guess, so if I.

Own one that I bought five, six, seven years ago and it's not meeting my needs... Dick: Or let's say it does meet your needs somewhat, but not as good as some of the newer generations. Eric: All right, so you want to tackle all these? So I've got one of these, how do I go about deciding what's the next step? First of all, can I. Get out of a bad annuity? Dick: Well, the answer to that is always it's your money and it's your decision.

Eric: And it may depend on your annuity, if you bought an immediate annuity most of the time... Dick: That's true, that's true, yes. Eric: That's my one caveat, that if you own the immediate you pretty much... Dick: You've given up your lump sum, so it is your annuity.

Eric: And that's why we always talk about that being a make sure that's the right decision, because usually that's it. Dick: So if it's a deferred annuity there could be some extenuating circumstances, first of all. If it was really genuinely a situation, where that annuity was truly misrepresented to you; it was not what you thought you were buying; there could be some aspects of going back to the company, going back to the agent, but again, this has to be fairly well-documented. That it was misrepresented.

So in those situations if it was truly not suitable, it was misrepresented, it is possible that the company would allow you to get out of the annuity with no penalty, also the possibility of litigation, that type of thing, or going through the state insurance department if it was misrepresented, but let's just say that it was not. Eric: It was just what was available at the time and it's it sounded good at the time. How many times have we made a decision based off of this sounded like a good decision at the time and it might have been the best available at the time. Dick: And now interest rates are low.

Maybe your interest rates have dropped on the annuity. The cap rates have dropped. You didn't get one of the income riders that are now available, so you don't have those contractual guarantees. Well, one of the things that I think that you want to look at first of all is how close are you to maturity? Will that annuity be maturing, and all of the surrender charges will be gone soon? Eric: Now and when we talk about maturity and this is always an interesting thing when I talk about it with consumers, because they say "Well, do I lose my income at the end of that contractual, that maturity period?" Really, it's a surrender time frame typically is what that contract.

You can continue past that surrender schedule period. That annuity's designed to keep going and going and going until... Dick: Right, they still have contractual guarantees in place for the client, even though the money is available surrender and penalty free. Eric: Right, so when we're talking about maturity in this case we're talking about when there are no more penalties that will be incurred by basically, surrender charges.

Dick: So if you feel that your annuity is not what you really wanted, you're only maybe a year or two away from being out of surrender charges, you may want to wait until that couple of year's passes. You'll also have some other alternatives. Even if you're fairly new into the annuity, within a few years or so into the annuity, there's things that you can look at, which could be an offset to the annuity that you have, and the surrender penalties, if the new annuity that you were looking at has a bonus or a market value adjustment. Eric: Now and this is where market value adjustments are really kind of an interesting not well kind of...

Dick: Not well understood. Eric: ... Understood. Dick: Yes.

Eric: Even by some agents. I mean we've seen people that have had problems with understanding them and really they work in two ways. Dick: Yes. Eric: They can be and basically they work as an offset, for the insurance company in case of the change of rates, so what we've seen is they can either be, in addition to the contract at the time of surrender or a subtraction.

Now if the interest rates have gone up... Dick: They're typically then going to add to your surrender charge. Eric: Right, and if the rates have gone down, then we've seen here in the last few years... Dick: Then you would have a positive MVA, where your surrender charge is actually reduced by a fairly large amount on the MVA.

Eric: And I know personally we've seen this happen. So it actually creates an opportunity for some people at times, when they've had an annuity that they're not real happy with, and if things have gotten you think, surprisingly if they've gotten worse, there's usually sometimes an opportunity to offset that surrender with that MVA, and the MVA is not the Motor Vehicle Association. Dick: No, it's not. Eric: It is a market value adjustment, which is a mouthful.

Dick: And not all annuities have market value adjustment, so you have to look at the type of annuity. When I say the type of annuity, an indexed annuity, a fixed annuity, all of those can have market value adjustments, but not all do. Eric: Right, so when we're talking about this in relationship usually, it's on a fixed or a fixed index and that's because of what they're using to reserve. So they've purchased bonds and that's sitting behind it, and so if they have to sell them early that's the reason usually most insurance companies use them, market value adjustment.

Dick: And the reason, another reason folks, why they have the market value adjustment is the annuities that do not have a market value adjustment on the annuity, typically cannot pay as high a rate or have as many guarantees, as the one that has a market value adjustment. They have more latitude in terms of getting higher rates or better guarantees, so that's a good reason to use an annuity with a market value adjustment. Eric: Sure. So there is one way to get rid of a bad annuity possibly, even that still has a surrender involved, because you still may have an offset from an MVA.

Dick: Exactly. Another is the new bonus or a bonus from a new annuity. Eric: Sure. Dick: So that if you have a considerable bonus from the new annuity that can help to offset some of the surrender, combine that with an MVA and the advantages of the new annuity if it makes financial sense, then it can be worth doing.

Eric: And that should be qualified. We're not suggesting you would transfer from one bad product into another bad product. Dick: Of course. Eric: It's got to meet your financial needs and this would only be something we'd recommend, if you've got something that's not working, it doesn't fit, this is an area where you can explore some options to basically, see if there's something better out there.

Dick: Right. Unfortunately, it is a possibility that someone, Eric, would get involved in a bad annuity, and so there has to be different ways that someone could go about alleviating that situation. Eric: Right and one of the things we're talking about is using, usually a transfer of an annuity. We're not talking about doing a withdrawal, and then rolling it into another one, though those are all options, but to avoid bigger taxation penalties even, we'll typically look at transferring from one annuity company to another.

Dick: To another. Eric: So those things will keep you out of taxation penalties. Dick: Yes, so I think that probably the best way to really avoid a bad annuity in the first place is to buy a good annuity. Do your research.

Make certain that it is going to meet your objectives, and then, even if the newer generation annuity does come along, and does have a few additional advantages, if the original annuity that you set up met your retirement objectives, then there should still be some merit there and some good basis for why that was chosen. Eric: Exactly, and you don't want to just throw something. You don't want to throw the baby out with the bath water I guess is the saying, and so make sure you're not making just a rash decision to get something else. Dick: That's right.

Eric: And that's why these annuities do have surrender charges, they do have these pieces, because they are designed to be long term, lifetime income generating products. Dick: Make you think twice about messing up your retirement by ending your IRA or your annuity and that's why these penalties are there. Eric: Right, so as we say, you usually only get to do retirement once, so do it right. Dick: That's right.

There are no do-overs in retirement. Thank you. Eric: Thank you..

Annuities - The Best Financial Product No One Wants!

And today, the topic is annuities, the best financial product no one really wants. Dick: Can you imagine that no one would want an annuity, Eric? Is that a true statement? Eric: No, the people I talk to every day, everybody wants an annuity. Dick: But that's different. Folks, the people that we talk to may be someone like yourself that's actually went to our national website, as Eric likes to remind me, international website.

Eric: International website. Dick: But goes to our website and they're already in the mindset of annuities. Eric: Right, they're doing their research. They're doing the background on why this might work for them.

Dick: So we might be just a little bit skewed, do you think? Eric: We're taking it based off an article, and interestingly enough, it was written by an actuary who works for an insurance company. His comment and I love this, "Annuities are not sexy. You hand over your money to an insurance company who then puts you on a seemingly stingy allowance for the rest of your life." Well, that sounds pretty pathetic, if you ask me. Dick: I do have to say that, before I knew much about annuities, many years ago that never entered my mind, never crossed my train of thought.

Would I rather have a new car, a new house, or an annuity? Eric: Rather than an annuity. That's not fair. Everybody would rather have a new car or a new house. Dick: That's right, and really when you think about it, and that's a lot what this article gets into is we built this money up.

We accumulate this money and we like the idea of hanging onto it, controlling it, investing it, whatever we choose to do with our money, but to hand it over to an insurance company and let them give us money back, it's kind of a transitional state that we go through to make these types of decisions, and there has to be a pretty good reason behind it. Eric: I come from a family of educators. I've talked about that before. Eric: You know right now in Illinois, we're fighting.

They're fighting to maintain their pension. Well, what's an annuity really? Dick: It's a pension-style income. Eric: I mean for today's 401k investors they're basically, when you get your retirement you've got this lump sum. Do you want to keep the lump sum or would you rather have a pension? Dick: The vast majority of retirees before they retire and they have this choice, not all companies give this choice; but there are a lot of corporations that will give the employee the choice of a lump sum or a pension.

Now the vast majority choose the pension. They've worked their entire life. Eric: For the seemingly stingy income for life? Dick: Yeah, and yet, even those that would take the lump sum, in many cases will turn right around with that lump sum, and buy a commercial annuity that they feel is a better option, than maybe the pension the company was going to offer. So we tend to get it when it comes to that lump sum that comes from the employer, but yet many times we've worked all of our lives, built up all of this money and what's the purpose of it? Eric: It's mine.

I want to keep it. Dick: What's it supposed to accomplish? Eric: That's exactly it. It's just future spending. It's not savings.

Its future spending is what we've save for, but we don't think of it in those terms. We think of it as "This is money I. Saved. I don't want to give it to somebody and then have them, give me a seemingly small allowance." Dick: Right, and that's where the insurance company's job, their job is to look at risk, to manage risk, to know what's realistic.

You'll have to read this report, folks and kind of get the gist of what this person's saying, because he actually is an actuary and he's really laying out that these insurance companies don't always win on this stuff. Eric: And he talked about annuities are much better-the design and what they payout in today's era, is much better than they were 10-20-30-years ago. Dick: Right, a lot's changed. Eric: You really do have an actuarial advantage to buying an annuity and he admits that, even though I know this advantage exists, I'm not so sure.

Dick: I might be standoffish when I first retire, but maybe as my age advances I'm going to be more apt to do this. This kind of brings me back to a lot of the buzz that is out there and things we talk about with the hybrid annuity but one of the things that appeals so much to folks, on a hybrid-style annuity is that they are able to control that lump sum. What we call majority control the first 10-years or so of an annuity. You have some surrender charges, so you control about 90% of it during that first 10 years, and those surrender charges decline, so after 10 years, you control 100% of it and you still have a lifetime income.

And yet, if you haven't used that money in your account, it can all go on to your heirs, your spouse, whatever is important to you. Eric: Exactly. In his life point, I guess in summation here he talks about you know what? Everybody has, even if you have that lump sum investment you have, usually a portion that's in equities and you have a portion as you get closer to retirement that we should all be moving into those fixed payments, bonds, CD-style. What would be wrong with taking those more conservative assets, turning that into an annuity and then just truly letting your equities run, and knowing you have that guarantee that income coming on? Dick: Well, Eric obviously this is what we talk to our clients about.

We talk to them about balanced allocation. Not putting everything into annuities, not necessarily having everything in the market. Finding that balance that works for each individual, and so to me, he's right along the lines of what we continue to explain to people. Eric: Exactly, yes.

He takes care of the foundation very well. Dick: So Eric, would you say that an annuity is something that no one wants? Eric: All right, there are a few people that want annuities. Dick: Well, folks we're not saying that an annuity is going to be the end- all and the be-all or exactly what you need, but you do want to look at it closely and determine where it might fit into your overall financial picture. We really appreciate you spending the time with us, today.

Eric: You have a great afternoon..

Annuities - It's Your Choice

I want to talk to you about something
that's tremendously important to all Californians but especially vital to our most
seasoned Californians our seniors The California Department of Insurance
is the number one consumer protection agency in our state. Our highest priority is protecting
California consumers whether they need assistance finding the right insurance
or protecting them from scam artists. Our Department is here to help.
California seniors have contributed much throughout their lives to better our
communities it is therefore alarming that insurance scam artists are praying
on their good nature. The Department of Insurance is
aggressively pursuing agents and companies that illegally target seniors
and we're working to strengthen state laws to prohibit bad behavior and make
annuity products easier to understand.

But the best way to combat this problem
is to work together. Today I want to share some information
with you in case you are approached by a pushy or deceptive insurance agent. Not all agents engage in
high-pressure sales but some do. The tips and information in this video will make
a huge difference in preventing you from being a victim of a potential
scam.

Let's take a look. Deciding when any investment is right
for you as hard enough but annuities can be very complicated
because there's so many kinds of varying terms and different payment plans. At its simplest an annuity is an
investment in the form of an insurance policy issued by an insurance company. You pay money in the form of a premium
to the insurance company in exchange for a guaranteed minimum interest rate to increase the
initial investment.

Then either right away or after a period
of years. The insurance company pays you a monthly
amount either for a set number of years or for the rest of your life. Annuity
policies might sound pretty good but there are things about these
policies that could make them a very bad choice for you, the senior investor. For example, there are often hefty
charges if you want to withdraw some of your money early.

The surrender charges can also apply at
the time of your death and will reduce the amount that your
heirs will inherit. In addition, it often turns out that the
advertised interest-rate applies only in the first year that you put money into
the annuity. Even worse is that sometimes, if the
stock market does badly, you could actually lose money. These insurance policies are very
complicated so you need to be careful that you're
not taken advantage of.

Take a look at the scenes that follow. These are examples of how you can
protect yourself from high-pressure sales tactics. You don't want to end up with an annuity that is wrong for you. At your convenience.

In the comfort of
your own home, of course. With no obligation. We'll give you a call about when we can
set up a time to chat about your particular situation and see what's best for you. So what's wrong with this picture? There's free coffee.

You've learned something that will help
you pass your assets on your children and grandchildren. The fellow seems nice enough. So what's the harm giving him your
phone number? Well let's see another way to handle it. John uh...

I learned a lot today but instead of
me giving you my phone number I would like to get your card so I can find out more information. But if you don't sign the sheet and give
us your phone number I can't call you and you might miss out on something
important. But that's okay John uh... I'll think about it.

I'll talk
to my daughter and uh... I might give you a ring, but
thanks for the food. You're welcome. I know it feels uncomfortable to reveal
to people that you don't trust them.

Even more to the point, this discomfort is what certain
high-pressure sales people and some unscrupulous insurance
companies rely on. But it's ok not to trust everyone. Sometimes we confuse having something
in common with someone as a reason  to trust them. We let them in.

And sometimes that's a mistake. See if you can recognize the mistakes
Mrs. Lewinsky is about to make. [Door bell] Why John.

Why John! I wasn't expecting you. I was just
the neighborhood visiting Mrs. Smith around the corner and I thought
I'd stop by and say hello. Did you see her at the living trust seminar? No, I don't believe I know Mrs.

Smith. Oh, she says she sees you walking your dog.
Well hello there fella... What's his name? Her name is Anastasia.
Oh, Anastasia, like the lost Russian princess. Are you Russian?  Are you Anastasia? No wonder
you wanted some financial advice.

No I'm not Anastasia. But I do have a fondness for Russian
cookies. Can I offer you some?
Why thank you. Well Mrs.

Lewinsky Now that you're the fourth quarter, so to
speak it would be great to make a touchdown,
wouldn't it? And just pass the ball to your son? John what are you talking about? Oh, it's just a little football metaphor
I noticed the picture of your son and I was thinking that a living trust as part of the
financial plan with good investments would make a great gift for him ultimately. Well, I was thinking about getting my
affairs in order. That's why I went to the seminar. But I don't know what I need.

I don't want to be a burden to my son, he has enough on his plate. So, you're looking for a lifetime income that will keep you independent. Well I was only interested in the
living trust. Of course, we can take care of
that too.

Now I'm going to need some information about your current investments and I'll
take care of everything. So it's all set up now. And I'd be happy to drive you over to the
bank so that you can change your name on all the accounts into the name of the trust. But before we go I'd love some more
of those cookies.

Certainly John You know Mrs. Lewinsky you could be making a lot more money
than you are now with those bank CDs and your stock accounts, too. I know all about an annuity that pays
nine percent guaranteed. I don't know how much longer the
insurance company can afford to operate like that.

I told my own mother she should
jump at it. It's an insurance policy because you
pay in the money and it protects you from the ups and downs of
the market while guaranteeing a hefty return. You know I could save you the trouble of changing all your account names too. So if you'll just sign these papers I
can get started on getting your accounts closed out and into
an annuity right away.

That seemed like a pretty normal get-together
didn't it? Well, what happened? John was picking up on all kinds of
visual cues to make a connection with Mrs. Lewinsky. It's a very common way try to gain trust. Perhaps he was just being a good
salesman.

Or perhaps he was trying to trick her. The Department of Insurance has
investigated cases in which an agent tricked people into emptying their bank
accounts and selling their stocks to pay for an annuity contract. The agent received a substantial
commission and the victims lost money. Mrs.

Lewinsky would have made
more money if she had stayed with her original
investments How could Mrs. Lewinsky protect
yourself against this kind of smooth talker? [Door bell] Oh! John I wasn't expecting you today. Oh I was just in the neighborhood visiting
with Mrs. Smith around the corner and I thought I'd stop by and say hello.

Did you see her at the seminar? I don't believe I know Mrs. Smith. What can I do for you today, John? Uh, can I come in, uh,  Mrs. Lewinsky and get you started on your living trust?
Oh, did I mention that you can shelter your assets in an annuity so that you can get on MediCal? We won't be doing that today John.

I need a chance to look over the information
that I picked up from you. I'll call you when my son can be here
while we talk. What does you son do, Mrs. Lewinsky? My son looks after my money and investments
and we won't be talking without him.

Thank you for stopping by, John. So long. Two heads really are better than one. Always have someone you trust with you
when you're discussing your money or investments Even if the sales person is not a
stranger to you investments and insurance are very complicated.

According to California law, a sales person must give you written
notice that they want to meet with you at your home at least twenty four hours in advance. But if you do find yourself with the
sales person in your house don't be fooled into thinking that he's
going to look after your financial interests just because you have something in
common like an interest in football or cookies. It might be tempting for Mrs. Lewinsky
to just sign something to get rid of John.

Never sign anything on the spot with someone standing over your shoulder. Never sign forms that would give the
agent permission to transfer your money and never, ever sign blank forms. If it's a good deal today it'll also be a good deal tomorrow. The best course of action is to not let anyone into your home but if you find yourself in the living
room with John...

John, it's been very nice chatting with
you today but I'm not feeling very well okay ill disfigurement for me to go
through your files to make sure that we Okay it'll just take a minute for me to go
through your files to make sure that we haven't missed anything that should be
liquidated to fund the Pro-Am guaranteed nine percent annuity that way I can drive into the bank later and take care of everything and get it out of the way. I don't want to be impolite,  but i'd like you you to leave now. Why don't you just sign these
authorizations and I'll make the transfers for you Mrs. Lewinsky that
way you can make sure that you don't miss locking up this stellar
interest rate.

John, I need more time to look over
this information. So I won't be signing anything today. But I'll call you when I've looked it over..
Why don't I just show you to the door. But there's a thirty day free look
period anyway that means you can cancel at any time and get all your money back so you might as well sign then I don't
have to bother you again you can just cancel if you decide
against the annuity you can just put all your money back and put it into the
mutual funds with no consequences Isn't there a tax problem to selling
mutual funds? Well, I won't be signing anything today.

Goodbye, John. Mrs. Lewinsky, you don't have to be
so rude! Annuities are very complicated investments that may not be right for you because they can't lock your money up
for a long time. You need to make sure you keep enough money
outside of the annuity to take care of unforeseen expenses You also need to know what interest rate
the annuity will pay past the first year You'll also need to look at how much risk you
want to take on and decide between an annuity with a fixed interest rate or one that will vary.

Look closely at the terms of the annuity read the documents ask questions to make sure you
understand them and take notes. Don't be a victim! Always know and understand anything you
sign If an offer seems too good to be true it
probably is too good to be true the salesperson insists that you sign
right away That's a danger sign. If it's a reputable deal it will still
be available next week. If you don't understand something ask questions there are no stupid
questions.

Never allow someone to try to sell you
insurance or an investment without giving you the time to think
about it and without a trusted friend or relative
by your side. You always have the power to say no! After all it's your money. There's no shame in becoming confused
about financial planning and if you do it's okay to end the talk
at any time. Honest sales people understand and will not pressure you further.

Honest salespeople will not insist that they talk to you alone. The law is on your side. And we are on your side. To help you at any time call the California Department of
Insurance Hotline at 1-800-927-HELP.

Today there are more insurance options
for seniors than ever before. With so many choices picking the right one can
seem like a daunting task the California Department of Insurance
is here to help you make those important decisions we want to make sure you feel
equipped to make informed assessments of your insurance needs and
options. If you have any questions about an
insurance product, agent or broker, don't hesitate to call the Department of
Insurance at 1-800-927-HELP. Thanks for joining us today and we look
forward to hearing from you.

[Music].

Albuquerque woman files lawsuit against abortion clinic

A LAWSUIT CLAIMING AN. ABORTION CLINIC IN TOWN. -- DIDN'T TELL HER THAT. HER FETUS WOULD BE USED.

FOR RESEARCH AT. THE UNIVERSITY OF NEW. MEXICO. THIS COMES TWO.

WEEKS SOME STATE. LAWMAKERS CALLED ON. U-N-M TO IMMEDIATELY. STOP THEIR RESEARCH.

NEWS 13'S MARISSA LUCERO. IS LIVE AT THAT CLINIC. NEAR LOMAS AND EDITH. WITH THE LAWSUIT.

MARISSA. KIM, JESSICA DURAN SAYS. SHE WASN'T WELL-INFORMED. ABOUT WHAT HAPPENED TO.

THE FETUS SHE ABORTED IN. 20-12. IT WASN'T UNTIL. THIS YEAR THAT SHE FOUND.

OUT IT WAS USED FOR. RESEARCH. 1:03"I was going through an unplanned pregnancy at 21 and abortion was never something i wanted"1:10 BUT IT'S. SOMETHING 25 YEAR OLD.

JESSICA DURAN MADE THE. DECISION TO DO NEARLY. FOUR YEARS AGO WHEN SHE. FELT SHE HAD NO OTHER.

CHOICE. SHE CAME HERE TO. THE SOUTHWESTERN WOMEN'S. OPTIONS CLINIC NEAR.

DOWNTOWN. 4:36"It's hard to hear, to know that's what ended up happening"4:43 IN A LAWSUIT FILED LAST. WEEK -- DURAN CLAIMS THE. CLINIC DID.

NOT INFORM HER THAT HER. FETUS WOULD BE USED FOR. FOR FETAL RESEARCH. AT THE UNIVERSITY OF NEW.

MEXICO --- EVEN THOUGH. SHE SIGNED A CONSENT. FORM ALLOWING THE. ABORTION.

SEVERAL LINES. DOWN IT ONLY STATES. QUOTE "PARTS REMOVED. DURING THE PROCEDURE.

WILL BE USED IN MEDICAL. RESEARCH" NEW MEXICO. ALLIANCE FOR LIFE SAYS. THAT'S BREAKING THE LAW.

13:28"They're supposed to be informed about the nature of the research going on13:31 they're supposed to be informed about the benefits of the research 13:34 they're also supposed to be given the opportunity to ask questions and withdrawal from the research at any time13:41 LAST MONTH -- REPUBLICAN LAWMAKERS. SENT A LETTER TO THE. UNIVERSITY'S BOARD OF. REGENTS ABOUT IT'S.

RELATIONSHIP WITH THE. CLINIC AND QUESTIONS. WHETHER UNM'S USE OF. FETAL TISSUES FOR.

RESEARCH VIOLATES STATE. AN FEDERAL LAW. FOLLOWING THAT DURAN. FEELS SHE HAS A STRONGER.

CASE 4:50 i think at that moment had they informed me i would have snapped that this is a life inside of me, a valuable life5:00 and i think i would have...No i know i would have walked right out of that clinic"5:05 DURAN IS ALSO CALLING. FOR ALL FETAL. EXPERIMENTS BE. IMMEDIATELY SUSPENDED.

THE CLINIC TELLS US IT. IS AWARE OF THE LAWSUIT. -- AND PLANS TO HAVE A. RESPONSE BY END OF.

TODAY. BACK TO YOU. UNM HEALTH SCIENCES SAYS. IT HAS ALWAYS FOLLOWED.

THE LAW AND FETAL TISSUE. RESEARCH HAS ALWAYS BEEN. CLOSELY. REGULATED AND WILL.

CONTINUE TO WORK WITH. LAWMAKERS IN. THEIR INQUIRY..