Hubby and I were talking about securing our future, specially for our kids future, because with whats happening in the world right now, you can never tell whats gonna happen. Life insurance so far is the best option for us. I know we should have decided to get one along time ago, since the kids are getting older, and hubby and I are not getting any younger. Right now, we are still doing a lot of reading and researching online on which company that is more secured and have everything what we need, and offers immediate annuities. I think we need this immediate annuities for more security in the future. It would surely help a lot for the kids when they go to college, then hubby and I will not have to worry about it anymore.