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"Americans should convert at least half of their retirement savings into an annuity." US Treasury Dept.

An annuity pays out for as long as you live. They are also insurance against general stock market declines and poor individual investment decisions.

J. Mark Iwry, deputy assistant Treasury secretary, recently announced that the Obama administration wants to "make options for annuitized income more attractive than lump sums" There is a serious problem whereby Americans are running out of their own money as they get older.

"There is a lack of financial education about the benefits of annuities and whats available" US Government Accountability Office

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Find out why Ben Bernanke, U.S. Federal Chairman, owns 2 annuities which represent the largest percentage of his own personal investment holdings.

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