It looks like you've gotten lots of helpful information.One thing I did not see mentioned was that using an on-line annuity calculator can show you the payout differences between various annuity contracts that you might buy from a specific annuity seller. I found this quite helpful in getting a basic picture about annuities.It might even help you gain an understanding of whether the annuities you mentioned are good/bad/indifferent when comparedto other companies' offerings. I don't know how many calculatorsare on the Web but while following some Fool's recommendationto read Warren Buffett's annual letters to his stockholders,I found the annuities calculator at: www.brkdirect.comThis is my first post ever, after having used a 30 day trial membershipand then happily signed up. Don't know a thing about Berkshire other than what I've read during the 30 daysbut it would not surprise me if the Berkshire Direct annuitieswere a well above average deal.Good luck to you and your mom.
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