There are fixed index annuities offering much better income account accumulation than 6% guaranteed. Off the top of my head, RBC has a 10-year roll-up at 8% compounded, American National has one that goes up to 16 years at 8% compounded, and Aviva has one that can go up to 18 years at 8% compounded. Depends on your time horizon and if you truly plan on taking withdrawals as income instead of taking out the cash value accumulation in a lump sum. If you die with money left in the income account, some annuities will pay out the full value of the income account over 5 years to your beneficiary, or they can just take the cash accumulation value in one lump sum. If you don't know how an income annuity works, that explanation was probably confusing. I can elaborate if you want, but didn't want to type up 4 paragraphs.