I deal with Medicare products for seniors and very few annuities. Set my sister up with one and also a cousin. I really only know the basics. Any recommendations for a 62 year old female (wife) who doesn't really need the income from it. It would only be about a 40,000 annuity, that she would periodically take out for emergencies only. Unless there's a different product I should look into. Of course I would also look at commission level and contracting, in order to be a part of my book of business.