How Safe Are Insurance Annuities? 
When you compare annuities from insurance companies to most other investments that are available , they are considered very safe . Insurance companies are highly regulated and required to have reserves far beyond that which banks are required to have . While they are based on the claims paying ability of the insurance company , when you look back at the most difficult financial times in U.S. history , insurance companies had the least volatility and fallout of any type of financial institution . 