What Is Bad About Variable Annuities? 
There are bad annuities . But there are good annuities that have an excellent value proposition for consumers who fit an annuity products suitability profile . Non-qualified deferred annuities have significant value for high tax bracket and long term investment horizons consumers . Non-qualified deferred annuities have several crediting methods : fixed interest rates , indices performance and separate sub accounts that use equities and bond instruments . 