Please ask yourself these questions:

  1. Do I like losing money in the market?
  2. How does it make me feel when I lose money in the market?
  3. Do I want to make my money safe from loss?
  4. Do I like the idea of having guaranteed money for the rest of my life?
  5. Do I like the idea of never have to worry about market volatility?
  6. Do I want to move forward with a no-market-risk product?
  7. If I pass, how much will my spouse receive?
  8. Do I want my spouse to worry about how to get by when I’m no longer around?
  9. Would I like to make sure that my spouse will have a guaranteed income for the rest of his/her life?
  10. What risk do I want to have? Am I comfortable losing all of my money, some of my money, or none of my money?
  11. Do I like the idea that my broker makes money even when I lose money?
  12. How do I plan to take care of LTC?
  13. Would I like to significantly reduce the stress about the uncertainty of my retirement?
  14. Do I have time to recover from another major market drop?
  15. Do I worry about my money in the market when I put my head on the pillow each night?