Is an Annuity a Good Investment?

The psychological component, like one of the main check boxes that you see for people putting annuities as part of their portfolio. Are you more probability based, comfortable with the market, or safety first, preferring contractoal protections to fund the basics? And then this other primary factor is, do you have an optionality orientation? Is like keeping your options open the number one priority? Or are you comfortable committing to a strategy that will solve your life retirement spending problem?