If you're confused about the pros and cons of buying an annuity, Scudder, Stevens & Clark can help with a free booklet, Variable Annuities--What to Know Before You Invest. It defines these products and lays out in a clear and simple format the tax benefits and costs. For example, did you know you can switch from your current variable annuity if you find a better one by filing a 1035 exchange form? Call 800 225-2470, ext. 8347.