If you are sane, you do not start owning an annuity until after you retire...
(Why do Agents recommend them, then? Because they pay the SALESPERSON the highest percentage commission of ANY investment option...)
If you are not retired & somebody has recommended an Annuity to you, rest-assured they are either stupid, or they think YOU are!
Come on.... Think
If life is based around money; when would you own the annuity? Of course when money is deposit into the account
Do a little more homework. An annuity is almost never good financial tool, indeed, I would say for no one at all, but it is possible your circumstances are different from everyone else.
Talk to a financial professional who is NOT trying to sell you something and get some advice
At the time of the sign application? Or when you start depositing money in? Or some where else.
