CHAPTER ONE—WHAT IS AN ANNUITY 

CHAPTER TWO—HOW MOST PEOPLE KNOW ANNUITIES 

Safety
Tax Advantages
Higher Earnings
A Probate-free Plan
Surrender Charges
Bonus Annuities
Payout Choices
Who Are The Players
Tax Sheltered Annuities
Medicaid Annuities
A Lesser Known Feature

CHAPTER THREE—FIXED INDEX ANNUITIES 

Terms to Understand
Annual Reset of Principal

CHAPTER FOUR—VARIABLE ANNUITIES

Objections
Fees, Fees, and More Fees
Taxes are a Fee
Living Benefit Guarantees

CHAPTER FIVE—THE SUPER ANNUITY 

Modified Endowment Contract
A Tax Free Account to the Heirs
Non Modified Endowment
Buy Term and Invest the Difference

CHAPTER SIX—MAKING ANNUITIES PAY 

Immediate Annuities
Annuitization
What is a Split Annuity?

CHAPTER SEVEN—ACTIVATE THAT ANNUITY 

She Never Paid a Fee
            A Good Investment?
            How to Pay the Tax Bill on Your IRA
            Why Bother With a Living Trust?
            Why Pay for Long Term Care Insurance?
            Changing from Tax Deferral to Tax Free
            The Down Sized Executive
            The Doting Grandparent   
            The Gifting Alternative
            Increasing a Charitable Bequest

CHAPTER EIGHT—CHARITABLE GIFT ANNUITIES 

The Only Non-Qualified Annuity that is Tax Deductible
Company Stock Holding
Increasing the Company Pension
The Successful Real Estate Investment
Solving the IRA Tax Dilemma

CHAPTER NINE—AVOIDING SURPRISES