Obviously, if you are getting a retirement payout or have regular annuity payments setup, those would be used as well. 

IMO it's a niche product like an annuity. 

This is a great opportunity to listen to your CPA who knows about your taxes, finances, different type of IRAs. annuities, life insurance.

As much as I hate annuities, you might speak with an annuity agent about the employer awarding a bonus in the form of a single premium deferred annuity invested in index funds and that you do not have the right to access until a date certain and then a full payout over time.

That's why you see so many annuities out there for people who don't need them. 

Annuities and life insurance can be a hedge against market volatility, but they should be part of your plan, not all of it. 

IMO better options- If you don't need the money in the next 10+ years look into Annuities I'm seeing 7-9% and you don't have to participate in market downturns.

I referred her to a New York Like insurance agent and the agent sold her an annuity.

So we (not meaning me) buy annuities where everything will be 'ok' when we retire.  

We did received Armando's Flip and Grow Rich 5 book series and the 12 supporting CDs for the series.We never received the 2009 foreclosure opportunity course.The presenter talked about increasing your credit card limits and reducing the interest rate, goal setting, a couple of examples of loan option wraps, 3 hours on a rental agreement, the annuity he set up for his daughter and how his nanny stole his credit cards.