 that doesn't mean you should take all of your money out of the market and move it into a product that guarantees you a payout. If an insurance company can guarantee you a payout for the rest of your life and still make money on that deal, which trust me, they are after they pay the agent and everything else, it means you could do it yourself without going through the insurance company. You don't need an insurance company to make that happen. And frankly, if you're going to get an annuity and you just really, really want one,