An annuity is a contract between an insurance company and an individual. Annuities typically come in two forms, Fixed (guaranteed rate) or Variable (you choose from a range of investment options, called subaccounts). The subaccounts are generally a selection of mutual funds. Information on Annuities can be found at CTAInvest.org by visiting http://ctainvest.org/home/investing.aspx. Watch this short video for more information on Variable Annuities.