Two excellent alternatives are Tax Deferred Annuities
and Guaranteed Safety Annuities.

What Can an Annuity Offer You?
Here are just a few of the reasons to consider an annuity:

• Security -
  The stock market may go down
  or Interest rates may drop.
  Your deferred fixed-rate annuity or
  deferred equity-indexed annuity interest rates
  will never fall below their guaranteed minimum.
  
  
• Tax-deferment -
  You only pay income taxes on the gains in your annuity when you withdraw your money.
  
  
• Competitive Interest Rates -
  The interest you earn is comparable to other investments with a similar risk level.
  
  
• Protection of your Principal -
  Annuities are one of the few tax-advantaged investment alternatives that generally guarantee the return of your principal.
  
  
• Guaranteed Income for Life -
  Choose a lifetime payment option for your immediate annuity and you can receive monthly payments for the rest of your life.
  
  
• Triple Compounding -
  Your premium earns interest, the interest earns interest, and the money you save by deferring tax payments earns interest.
  
  
• Avoid Probate -
  Any death benefit will be paid directly to your designated beneficiary, without the publicity, delays and costs of probate.