 One of the pros is that there's no annual fees. One of the pros is that you will not lose money in the stock market due to the stock market. One of the cons is there are a lot of really bad ones out there. And if you get in the wrong one, you could be trapped. Because one of the other cons is that you can only get to 10% of your money every single year. If the index is not good, that is backing these growth annuities, you may not make much money.