Many advisors who help retirement savers with annuities dislike "bells and whistles."

They see annuities as a fixed income option with a guarantee twist, and they would prefer to see clients invest in contracts with returns tied to the performance of the S&P 500 index and recorded on clay tablets.

But it's winter, it's cold out, and some clients and financial professionals might like to read about something with a little more sparkle.

For five recently introduced annuity products and features that could jingle a little more than the rest, see the gallery accompanying this article.

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