After reviewing the resources for this week, respond to the following questions:

• In 1965, Yaari concluded that annuities can provide significant value; however, many Americans are very cautious about them. Why do you think this is the case?
• Why do you think individuals are willing to risk their money in the Stock Market but avoid annuities?
• Are all annuities created equal? What are some things you would advise clients to consider when seeking annuity coverage?

Since this is a short module, your initial response should be posted by Thursday at midnight and be at least 100 words in length.