What is a primary concern when recommending annuities to seniors?

The primary concern when recommending annuities to seniors is ensuring that the annuity meets their income needs without compromising access to funds. Seniors often rely on annuities to provide regular income during retirement, and it is crucial that these products align with their financial requirements and lifestyle.

As individuals age, the need for liquidity becomes paramount; they need to access their funds for emergencies, healthcare, or other immediate expenses. Annuities can sometimes impose restrictions on accessing cash, so it's essential to balance the structure of the annuity with the individual's need for security and availability of funds.

This focus on income needs also ensures that seniors are not locked into a product that does not provide them with the flexibility to respond to changing financial circumstances, such as unexpected medical bills or changes in living arrangements. This careful consideration helps ensure that the financial product truly serves the best interest of the senior.

While the other choices may also be aspects to consider when evaluating annuities, they do not specifically address the unique needs for liquidity and steady income that are particularly pertinent for seniors.