Question is how long do you want to "tie" up your money? Do I want the insurance company's 5% (plus) or do I want the bank's 2% return? What works for you is the best question, let me help with the decision.
http://www.foxbusiness.com/personal-finance/2011/09/15/which-is-better-annuity-or-cd-1271175020/
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