Good story idea Ari.

As for your question, how about annuities marketed to tax-deferred retirement account holders? Too often, folks are sold on annuity "tax advantages" that they gain NO benefit from, because their IRA or 401(k) account structure already defers the tax.

Of course those selling such products still earn their high comissions. And these come right out of the poor buyers' investment returns in the form of higher fees.