Annuities are insurance contracts, and are regulated by your state insurance commissioner. So that's your first stop for a complaint. But please write back and let me know the name of the insurance company, and the policy contract number. (I won't post that information, but I will try to contact the insurance company directly -- because failure to honor a contract would be a BIG story!) In fact, show them this response on my website and I'll be you have your check by overnight delivery! Please do let me know what happens!