If you didn't work for a school, police, fire or other government job where you would have received a traditional pension, you may be on your own.
An annuity is very much like a pension; except you own it and you manage it. It's okay to have more than one annuity. Did you know that 50% of annuities never annuitize? Pensions can have up to 15% per year withdrawn to buy a car, do house repairs, help pay for crucial health problems, and an annuity can provide an income for as long as you live. That's what you want, an income that never stops while you are living and even leave $ to family.