Where Do Annuities Come From? 
An annuity is a contract with the annuity holder and a life insurance company . Therefore , to purchase an annuity , you would consult with a Life insurance agent who will submit your application to the life insurance company of your choice . Some Life companies offer more annuity options than others , and some companies are more secure than others . It is important to be sure you are working with a solid life insurance company when purchasing your annuity . 