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what is one of the top concerns as people get close to retirement for most is having enough money to last the rest of their lives although Social Security benefit payments provide a stream of income chances are it wont be enough to cover all expenses throughout retirement many will need to cover the rest from retirement savings so how do you make sure a portion of those savings will last a lifetime as well thats where annuities come into the picture annuities are one of the only financial products that can protect a portion of savings by turning it into a steady guaranteed stream of payments to supplement other retirement income for as long as a person lives that steadiness can add some stability to a portfolio while there are several types of annuities this video will focus on income annuities and fixed annuities - annuities that can protect savings in retirement when someone purchases an income annuity the insurance company agrees to pay them a steady stream of income for the rest