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The information presented at this website is of a general nature and is not intended to represent any particular annuity contract, or any particular insurance company. Licensed insurance  professionals are required to present you with an illustration that discloses all costs and fees associated with the annuity that is being recommended, including any penalties for early surrender. Ask questions. Make certain that you understand all of the provisions associated with the  annuity that is recommended to you. When you are comfortable that you understand everything and if you feel that the annuity serves your needs, then that is the annuity to purchase. In general, insurance companies that issue annuities are safe. That said, some companies are more highly rated for their financial strength than others. Ask about the financial strength ratings of any insurance company that is recommended to you. Agents will be pleased to describe the financial profile of any company that is highly rated. Also, remember that benefits payable from annuity contracts are subject to the claims paying ability of the issuing insurance company.

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