An annuity may or may not be good for you. It really depends on your situation and circumstances. There just isn't a simple answer.
I strongly encourage you to read the proposed contract/perspectus for yourself and decide. And educate your self about fixed, indexed, variable and immediate annuities. I see a lot of bad advice and prejudice in online forums. No one knows your situation as good as you do.
Having a fixed rate of return or downside market protection can be very useful. Considering the poor returns that stock markets have given it can be very hard to justify the risk. An annuity may or may not be a good way for you to limit your risk.
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