Why Variable Annuities Are Good? 
A non-qualified variable annuity accumulates tax deferred with access to the market . High tax bracket individuals could benefit from the tax deferral aspects of variable annuities . A variable annuity is a security and insurance product that needs to be deemed suitable for the buyer before moving forward with the purchase . Once you 've determined your risk tolerance and product suitability you can rank variable annuities by expense loads and policy provisions that best fit your financial goals . You could lose money in variable annuities . Variable annuities have differing embedded policy provisions and additional riders , usually , for an addition price . Expense loads may dictate the value of the variable annuity as does the portfolio of separate sub accounts . Variable annuities have performance records and risk assessments published through Morning Star . 