Use the 4% withdrawal rule, add the inflation factor and guess what? They still cannot compete. Use this tip (below) to explain how a Fixed Indexed Annuity is a solid choice.

Then there is this: "Quantum Compounding"

Understand compounding, then explain our use of compounding in an annuity (do it one at a time) The lay on the final layer, the benefits added to the annuity contract: I call it Quantum Compounding