Insurance Companies issue many different kinds of annuities [fixed, immediate, variable, deferred, equity-indexed]. Each type of annuity has a different purpose, rate of return and element of risk. Annuities often generate high agent commissions That can lead to intense, aggressive marketing and in some cases outright fraud. It is absolutely essential that anyone considering the purchase of any kind of annuity familiarize themselves with the features of the product. You will find important links to information from the National Association of Securities Dealers, The Securities and Exchange Commission, the AARP and other organizations on this page. We recommend you review this material carefully before purchasing an annuity. This is particularly important for seniors with liquidity needs and a low tolerance for market risk.

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