Here are some great resources that explain what annuities are and how you can benefit:
Articles:
How Much Should I Invest In Annuities
Website Links:
Know These 3 Things Before you Invest in Fixed-Indexed Annuity
The Fixed Indexed Annuity Study from Wharton Professor David Babbel
http://www.annuitydigest.com/blog/tom/fixed-indexed-annuity-study-wharton-professor-david-babbel
Ohio Buyer's Guide to Annuities
http://www.freeannuityrates.com/annuities/states/ohio-annuity.php