annuities are complex. which of the following statements is correct regarding annuities? question 1 options: all annuities must be annuitized or exchanged. annuities that are not annuitized do not mitigate the risk of superannuation. one of the advantages of investing in annuities is that they are never subject to the required minimum distribution rules for iras and qualified plans. annuities are always included in the gross estate of the decedent at the death of the owner.