I am lost on annuitites Beth, but maybe someone in your church is CPA or can recommend a financial advisor. I would want whatever gives me easiest access to, less limitations, and more faster, even if the amount is less in years. Like a 20 year instead of 25 year for more monies.

Better to outlive your money then to give it back...and why not go to heirs as they lose out on your earning now?
I am saying my prayers the resolution is jsut around the corner,
Di