Annuities are held in very low esteem by the finance pros I've spoken with.
I put some $$ in one - Guggenheim - a few years ago after a really attractive high-return sales pitch.
Not only has it not performed all that well, the customer service from that outfit is the worst I've seen from any business.
I'm going to either roll it into my Fidelity account, or cash out & take the initial beating, then buy an appreciating hard asset with that money.
FWIW, financial advisors in my area aren't interested in anyone with under $100K to play with.
Given the current economic & geopolitical situation, folks I know with money are buying hard assets like cars & property.