CD Type Annuities

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• Why do financial institutions open brokerage accounts, if they offer brokerage services as well?
• anyone know about OM financial network(www.omfn.com) or annuity payments?
• What will the financial crisis do to my lifelong annuity?
• Can you explain this – The prize which totals $1,000,000 is payable in a financial annuity over forty years or