Who Are Annuities Underwritten By? 
Annuities are underwritten by Life Insurance companies . You have about 13 companies that offer medically underwritten Annuities . This type of underwriting is important to the annuity purchaser that has a medical condition that shortens their predicted life expectancy . The Annuitant is seeking to purchase a lifetime income benefit from a single premium . A medically underwritten annuity would provide a large income as their life expectancy is shorter than normal . This is helpful to provide a safe and predictable income and a possible lower tax burden . Your life insurance agent can work with your tax professional to determine the best situation . 