All annuities have three primary advantages:  Tax Deferral,
Avoidance of Probate, and a Guaranteed Income for a
fixed period of time, or income for life.  Here are some
reasons to invest in fixed and immediate annuities
•You need to safely create wealth for your heirs
•You need a guaranteed pension or income
•You need an increased death benefit
•You need stock-market linked gains without the downside risk
•You have money that is designed for inheritance

Annuities help manage 3 retirement risks:
•longevity risk
•withdrawal rate risk
•order of return risk