>>She does not like having the money 'tied up' even tho it is unlikely she would want to use it other than an emergency. I agree with your mother-in-law, but I'm prejudiced against annuities of any kind. And there's nothing wrong with having money available for an emergency. She would probably be a lot happier with her money in a ladder of FDIC insured CDs stretching out 5 years or so.Hedge
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