Annuities
Who is promising your return?
An annuity is guaranteed by the issuing insurance company. The guarantee is only as good as the company. If
the insurance company fails, or runs into financial difficulty, the annuity may not be able to fulfill its
promises. Before you buy an annuity, check how the insurance company is rated by independent services such
as A.M. Best, Moody's, Standard & Poor's and Fitch.