Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US Annuity vs CD.? My mom has quite a sizeable annuity (drawing 3% annually) upon which I'll have to pay taxes when she dies. She's been wondering if she should withdraw the money and put it in a CD, drawing about 2.5% annual interest. She doesn't get enough retirement money to pay taxes and doubts if she'll have to pay taxes on the money she withdraws from the annuity. Would this be a wise move?