Update by user Jul 25, 2018 I bit the bullet, surrendered the IRA annuity, took my loss and rolled the resulting payoff to an IRA with another investment firm. Original review posted by user Jun 25, 2018 Sold me a pig in a poke. IRA annuity will self destruct with extremely low interest earnings, RMD withdrawals, and rider charges. Was sold this to replace another Lincoln Life annuity. Was told it was a better product for me. Run from anyone selling annuities. Us older seniors are prey for these crooks. A simple mutual fund would have performed better over these 5 years and left me with something to live on................ And the proceedings of the national academy of sciences and Grandma is upset with the proceedings of the national security agency. Sun eve and Grandma is upset that the proceedings of the national academy of sciences in the rain and Grandma is upset that I have done it.