Annuities
from Aviva USA

Their products are head and shoulders above the rest. They offer guaranteed returns riders as high as 7.2% annually. In this current economy I can't see doing much better than that while taking zero market risk. A good choice for those in and nearing retirement.

The fixed index annuity is a good offer. It provides the opportunity to earn interest based on the upward movement of a stock market index, with minimum policy guarantees built in to protect against downturns in the index. They're not investments, they are more long-term retirement savings products from the life insurance industry. Aviva works with you to find a plan which works for you.