How do you overcome annuitization pushback?

The folks that do not buy a GMIB rider and only buy GMWB generally cite the main reason is that with a GMIB you need to annuitize. A few points:

• If the contact value goes to zero from poor market performance and withdrawals, a worse case scenario, what happens to the WB and IB?

1. The WB -they get 5% of the initial contract base for the rest of their life..sounds like annuitization to me. They loose control and if they die the payments stop and their beneficiaries or heirs get nothing.
2. The IB - they annuitize the contract which gives them an increase from the 6% withdrwals they have been getting to about 7 or 8% payments for life. Oh, they can pick the payout option. They can pick life with a period certain and guarantee a set amount of payments to the heirs if he/she dies.

Which sounds better?

What can improve sales desk morale?

It may come as a shock to some of you however I am aware some folks are not as happy as they should be. I would like to organize a group offsite teambuilding session to blow off some steam and have some fun. Please let me know what types of events that you may enjoy. Golf, bowling, whirlyball, scavenger hunt, etc..