Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US Have you ever used Ameriprise Financial? I did not know they were SUCH a rippoff! Due to the economy, I had to stop the $730 per month payment for a life insurance annuity. I had $9,800 built up and they told me the fees for early withdrawal was $7,400! What a bunch of thieves!