Retirement Annuity? Worth it?

Retirement Annuity? Worth it? I just watched a show at a Hotel. It was "Money for Life" and it talked about Annuities for retirement saving. I'm only 23 years old, but my mom is getting on in years and she has nothing ($0) in retirement! Are annuities worth looking into? Are they business based or government based? Any bad experiences?
submitted by /u/Aliraj123

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