Whats Bad About Annuities? 
There are tax deferred and immediate annuities that are not a good value proposition , just as there are quality annuity polices offered by quality companies . Annuities in and of themselves are not bad , there just a product . To determine if annuities are right for you need to establish a financial profile that includes a risk tolerance test , discovers your effective tax bracket and your goals . There are excellent annuities with crediting method using interest rates , indices and separate sub accounts . 