1. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    Life insurance companies offer insurance annuities, and life insurance companies are very highly regulated. They have a history of staying strong in down times. Life insurance companies are also rated by a number agencies, so that you can choose a highly rated company with which to purchase your annuity. All this contributes to the safety of insurance annuities.
    Answered on October 21, 2014
  2. 1045 POINTS
    Karl RenwanzPRO
    Renwanz Insurance & Financial Solutions, Carlsbad, CA
    When you compare annuities from insurance companies to most other investments that are available, they are considered very safe.

    Insurance companies are highly regulated and required to have reserves far beyond that which banks are required to have. While they are based on the claims paying ability of the insurance company, when you look back at the most difficult financial times in U.S. history, insurance companies had the least volatility and fallout of any type of financial institution.
    Answered on October 26, 2014
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