For the sake of discussion let's use the DOL Regulation section 2550.404a-4 as one example of fiduciary standards for annuity selection:"at the time of election, the annuity provider is financially able to make all future payments under the annuity contract and the cost of the annuity is reasonable in relation to the benefits and services to be provided under the contract".With an "in force annuity" the purchaser of structured settlement payment rights or other cash flow… [read post]