Time to make a major life decision- so I'm looking for advice in the TGP Pub... 65, retiring within a month. Two 401ks, SS and a small pension. I want minimum risk and to convert my savings into a monthly income source. From the books I've read I'm leaning towards an immediate annuity. Biggest risk there seems to be dependability of the "insurance product source". Why wouldn't I want to do this?