How can I lock in a future income stream with an annuity?

Annuities can easily be traced back to the Roman times when soldiers and their families were promised pension type annuity payments for them and their families as well.  Annuities were primarily put on the planet for income, and this was the only use for the product until 1952 when the first variable annuity was introduced.  Then in 1995, the first indexed annuity was offered.  But at the end of the day, annuities are primarily used as income solutions, with annuities being the only product to guarantee income regardless of how long you live.

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