Which Annuity Is Right For Me? 
You have to establish product suitability before deciding on any product , much less an annuity , which should be purchased as an ultimate income product . Product suitability is based on your personal financial profile , risk tolerance and economic goals . Those three areas comprise the fundamental approach to selecting the right annuity . Annuities use differing crediting methods such as interest rates , indices -LRB- both domestic and foreign -RRB- and separate sub accounts that use equities and bond allocations . 