J.J. Gouin / Shutterstock.com Quick Read Social Security replaces only 40% of pre-retirement income and cannot sustain most retirees’ living standards. Annuities offer lifetime income guarantees and tax-deferred growth. 64% of Americans fear running out of money more than death, and an annuity could be a good solution for this fear. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take ...