There are many different annuities that are available throughout the market place. Many annuities are based on market value through stocks, bonds, mutual funds and some are a fixed rate. Annuities are very conservative way to create a IRA or Roth IRA for long term financial gains. We are not stock brokers and do not market any variable indexed products; we only market insurance backed fixed and indexed annuities. These are the most conservative products with the most consistent gains. Every American works extremely hard to save money for their future and we believe these products are the best vehicles to get you there! And like all of our products we have contracts with all the top A rated carriers that offer the most dependable and consistent annuity portfolios in the market! Which means you only have to look one place; here at American Affinity Group!