Who Should Not Buy Annuities? 
Annuities are tax deferred products . If youre in a low tax bracket annuities may not make sense for you . Annuities can have stiff surrender charges . If you need liquidity annuities may not be good for you . And along those same lines , if you need your money before 59 annuities may not be an option for you . You should not buy annuities until you establish a cash account for financial emergencies . 