I can not speak to any specific annuity products -- the devil will always be in the details... and annuities often have A LOT of details.You may want to read some general information on annuities. NewRetirement has a handful of articles here:http://www.newretirement.com/Services/Annuities.aspxYou may also want to speak with another few annuity providers and compare offers. NewRetirement can match you to Annuity specialists here:https://www.newretirement.com/Services/Annuity_Advice.aspx