I'm of 2 minds about annuities. While working, we put a lot of money in a tax-deferred, fixed-income retirement account because interest rates were high at that time. It's still growing, very slowly but at slightly higher rates than CD's. (Its fees are about the same as the equivalent Vanguard investment, so there would be no merit in transferring it to VG). Unlike Onward's Metlife account, ours is with a small company that has pretty good customer support. I *think* Metlife may underwrite it though.
While it definitely looked like a good investment at the time (1990's, mostly), it's frustrating to have so much money tied up in it now. We could cash it in and reinvest the proceeds, but that would mean a huge tax bill on the considerable gains. It was really meant for annuitizing. But as this thread stresses, annuity rates are terrible, and look to remain terrible for a long time to come.
So you pays your money and you takes your choice, as one of my late Dad's 19th-century sayings goes. (He had a stock of them from his father, and some are hilarious).