Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US Questions about annuities? I am 73, still working parttime, and widowed. My IRAs are in CDs. My son-in law suggests rolling a portion over ( 100k) into a guaranteed annuity, paying 5% for my life. I am lower medium income bracket. With penson an SS would have enough left to cover my basic expenses. I need to increase the income from IRAs, but I have been a fiscal conservative all my life, and this is making me nervous. CSA