Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US How about people with only UNEARNED income from interest and investments who paid in $15000+ in federal Tax?? My wife and I worked for 40+ yrs, paid max social security, saved into 401K, co stock plan, invested in mutual funds, annuities, etc. We are now retired and live on these savings, company pension and social security. It really ticks me off to hear the income we have is UNEARNED. If it is UNEARNED why are we in the 25% tax bracket and pay through the nose???