I was a stockbroker and licensed life insurance agent for about 10 years. I sold very few annuities over the course of my career (only 3 that I can think of now) because they didn't make sense for most people and their situation. Given the little info you have provided, I would say look elsewhere. A good mix of stocks, bonds, mutual funds and cash should give you a better return, more control and cost you less in the long run.
