21.   The insurance carrier, which invests your money for you, guarantees a minimum interest rate for fixed annuities.

22.   The stock market can turn bullish or bearish, interest rates can climb or plummet, but the income from a fixed annuity will never change.

23.   The tax deferral and the lifetime payments are presented as the primary advantages of fixed annuities.

24.   There are fixed annuities and variable annuities.

25.   Unhappy with static sales, the marketers of fixed annuities are jazzing them up.

26.   Western National sells fixed annuities through banks and thrifts.

27.   While inflation can eat away at the money in your fixed annuity, a variable annuity gives you a chance to beat the rising cost of goods and services.

28.   With a fixed annuity, the money you put into the account is guaranteed by the insurance carrier.

29.   Although fixed annuities are not vulnerable to market fluctuations, fixed payments buy less and less over time due to the erosion from inflation.

30.   It is especially important to buy fixed annuities from a sound company because if the company experiences financial difficulty you become a creditor and your investment is at risk.