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Irea: Your cash is being counted http://michigansportscenter.com/about purchase hydrochlorothiazide If the government relies on the market to provide income for many of its citizens, it must regulate the annuity market. If a large insurer goes out of business and canât pay retireesâ income, will the Federal government step in to make payments, similar to deposit insurance? Thereâs also scope for regulation to ensure that annuity terms and pricing are transparent and competitive. A better annuity market will require more transparency, competition and wider participation. Thoughtful regulation can ease public distrust of annuities.