 call you constantly, email you, text you. They will let you know that there's a new iPhone 52 out there, whatever will be in the place at the time. Your cars, hey, you haven't bought a car in three or four years. There's better ones out there now. Oh, you know, the old clunker is starting to fall apart and you might want to come in and get something new and shiny. Back to the annuities. Why does the insurance company not notify you of something that might be better for you?