What Are The Best 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 . 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 . 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 . 