Here's an balanced article on annuities from MSN.com which does a good job of covering the pros and cons of annuities. Basically, annuities guarantee certainty in payouts, and usually at a higher cost.
For reference, I am biased against having an annuity. I feel the loss of control and costs aren't worth the guaranteed payments provided. Therefore, we currently do no have any annuities. However, an annuity can be good option for some people.
This is not financial, investment, nor annuity advice. Please consult a professional advisor.
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