I have gone through all the life insurance co's that are rated in the top ten as well as a few others and all--I mean ALL of them don't get better than 1 or 1 and a half stars on a 5-star rating system on Yelp. The vast majority of people who leave comments talk about how rotten the service is. I'd like to invest a substantial amount in an annuity but given how dishonest people say these co's are I have little confidence they will pay out the monthly payments to myself and my wife that they contract for. How can I get over this fear of trusting a life insurance co with my money when I can't find a single person who says anything good about their service? Can I trust that if I contact the state insurance commissioner to make a complaint the commissioner will do more than advise me to hire an attorney?