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variable rate annuities pros and consannuities pros and cons explainedshield annuity pros and consadjustable rate mortgage pros and consbest fixed annuities ratesgreat american fixed annuity ratesimmediate fixed annuity ratesfidelity fixed annuity ratesfixed term annuity ratesbest fixed annuity interest rateshighest fixed annuity ratesprudential fixed annuity rates