Only annuity I would consider is a life annuity which can be quoted through
Immediate Annuities - Income Annuity Quote Calculator - ImmediateAnnuities.com . There are no commissions for the most part and that is why no one ever hears of them.
The life annuity is easy to understand. You get a quote on how much you will get monthly based upon the invested amount. Just divide the monthly quote into how much you invested and divide by 12 to see how many years it takes just to recover your investment.
To me it still makes no sense to buy even that annuity because they are based on bonds I believe. It just makes too much sense to stay in the stock market.
I would only ever consider it via the highest rated insurance company they offer.