How Safe Are Annuities Now? 
Annuity safety can be discussed in two ways : financial strength of the annuity company and the crediting method used in a deferred annuity . An annuity contract is only as good as the issuing annuity company . Rating services and corporate financials are available for review . The annuity crediting method can be a safety issue when using variable annuities with separate sub accounts invested in equities and bond instruments or indexed annuities with policy expenses exposure in non performing years . 