Do you have money set aside that you don’t intend on using for income?  Do you understand the tax time bomb your creating by leaving it in an annuity?  Do you know you could reduce your taxable income by taking it out of the CD? Is the cash value and the death benefit of your life insurance getting dangerously close to the same amount?  If I could increase the tax free death benefit, and eliminate your annual premium would that be helpful? Does your current income plan account for inflation?  Is it guaranteed or is it hypothetical?  Would you feel safer if you could see an increase in your annual income and know it was guaranteed and not a guess? Concepts