An annuity is one of the investment options available for your IRA 
Why invest your IRA in an annuity?
First, you can take advantage of annuitization , creating a stream of income that is guaranteed to last a set period of time, perhaps through the remainder of your life.
Second, if you put your IRA money into certain variable annuities , you may be able to get a death benefit guarantee. With this guarantee, your beneficiaries are somewhat shielded against downturns in the market that might lower the value of your investment.
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