Who Should Buy Annuities? 
To determine whether an annuity is best for you , you need to establish a personal financial profile that includes a risk tolerance assessment and your life expectancy . Annuities have three basic crediting methodologies : fixed interest rate crediting , indice crediting and separate sub account crediting or debiting . The second item to determine is your effective tax rate . Once you have established these two parameters , financial profile and tax bracket you can review the top ranked annuities that are suitable for you . 