In fact, according to a 2003 survey of immediate annuity owners by the American Council of Life Insurers (ACLI), more than a quarter of respondents (27%) were ‘concerned they may be unable to sell their annuity if they want the money for something else’ and 4% believe the decision to purchase an annuity was a poor one. It has little practical impact in protecting your private information and leaves companies with another vague regulatory requirement.