1.   An unconventional mortgage that combines a home loan and a fixed insurance annuity is popping up across the country.

2.   And though fixed annuities more closely resemble insurance than do variable annuities, fixed annuities too have significant investment features and are functionally similar to debt instruments.

3.   Another company, Jackson Life in Kalamazoo, Mich., the analysts said, has a big business in fixed annuities that would be a good combination for Lincoln.

4.   A single-premium immediate fixed annuity is one in which you make one payment to the insurer who promises to immediately start paying you a fixed amount.

5.   But these advantages have not done much to help sales of fixed annuities.

6.   Buy only single-premium immediate fixed annuities.

7.   But unlike fixed annuities, the money can be directed to a range of different investment options selected by customers.

8.   Despite the twists, many advisers still see little use for fixed annuities.

9.   Des Moines, Iowa, is to become the center for fixed annuities.

10.   Fixed annuities provide you with a guaranteed income.