Hi Wingee, Wonderful idea, a market with lots of possibilities! Would this annuity option be capped or have any savings limits currently reserved in 401Ks or IRAs plans? What about age limits? Eligible to enter at age XX. What would be the Fee structure, how would it differ from current retirement planning, to make it feasible for insurance companies interested in promoting? Lastly, probably an obvious question, can the annuity be left as part of an inheritance?