J
I think you are wrong on this. Annuities are unfortunately marrketed to everyone but ideal for a few.
I would think if someone asked about annuities there is a check list of questions to explore before making any type of recommendation.

When you immediately exclude products it show a very limited understanding of the uses of the products. This means that your client can sometimes miss out.

If I didn’t understand a product a more accurate response might be that due to the amount of moving parts and the complicated nature of the product I don’t recommend them to my clients.