Suppose you are an insurance broker representing multiple companies and your object is to provide the most suitable annuity product to your client.

Now you have two types of annuities at hand: variable annuity and fixed annuity. What types of customers do you think will most fit for the fixed annuities, and what types of customers do you think will most fit for the variable annuities?

(Basically, you will need to know when should people choose fixed annuities, and when should people choose variable annuities)