The Board entitled "Annuities" has not seen a post since 2003. Either that is a typo or you are looking at the wrong board:http://boards.fool.com/annuities-113191.aspx?mid=30833816Last post was 2013.The 3% APY $100K CD comes due in 15 months. If the question is between a 3% CD and an annuity that pays 6% (per your math), I think that is an easy choice - but the devil is in the details.One would hope that CDs eventually get back up to reasonable rates - but how long do you want to wait for such?Is that 6% an Income Benefit or a Withdrawal Benefit? In my experience, an Income Benefit does not erode your death benefit while a Withdrawal Benefit will.Do you actually need $6000 in income or can you get buy on $3000 from the CD?Post the name of the annuity you are considering and we can likely give you more detailed feedback.
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