 So even if interest rates do back off some from where they are now, insurance companies are still going to be far more profitable than they were even two years ago. Why is that so important? The annuities that are being offered today, the dividend-paying insurance policies that are being offered today, the rates, are far greater than what we saw even just two years ago. Today, I reviewed two separate annuity policies from one who had set one up two years ago and another four years ago.