However, we do have a problem. The Motley Fool, a leading personal finance media company, said, ‘Annuities by and large are too expensive, offer mediocre insurance coverage, restrict the owner”s investment choices to soso, hohum, quasimutual fund subaccounts…and lack liquidity.’ Vaughan added, ‘Taxdeferred annuities have been a valuable personal finance tool for many consumers and offer the benefits of stable, secure and guaranteed income.