Millions of Americans have been told the only way to protect their retirement nest egg is to place it in other risky investments and wait out the downturns. While we agree there is a time and place for such investments, most individuals mature to a point when they become more risk averse. In later years most long for safety, security and reliable distribution of funds. We have an extensive portfolio of annuities that meet the needs and rigorous demands of many individuals, even those who still have the need for significant growth—just without the risk.