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Annuity products can be complex and difficult to understand. You're doing the right thing by doing your research before purchasing. There are good reasons to own an index annuity product, which include guaranteed income — especially if you're going to live a long time. This product can provide longevity insurance.

Make sure you're aware of the negatives like surrender fees.

A good financial plan can help you determine if an annuity makes sense for you.

Here are a few articles worth reading:

• Variable Annuities: What You Should Know (sec.gov)
• 5 Things You Should Know About Annuities (aarp.org)
• 16 Things You Need to Know Now About Annuities | Investing 101 | US News
• The Pros and Cons of Annuities (investopedia.com)

Good luck! Contact us if you have questions. We're happy to point you in the right direction.