Roth Ira Annuity Roth IRA/Variable Annuity?

Roth IRA/Variable annuity? - roth ira annuity

I have a relationship of 80 years with less than 100 km in a variable annuity. Its base is probably around 25K which means it is about 75K in the recognition of a period of 20 years. My parents do not have the money before the death of another, while the lack of interest that casts a month. This family also wouldnt want to disturb a current distribution of these funds, the income-based system for prescription drugs would be. The main concern is the financial responsibility for their heirs. What are good strategies to avoid taxes?