I can buy my own stocks through sites like e-Trade and Schwab and Fidelity. I do my own banking with the bank's web site. Why do I have to buy annuities through a broker (human being)?
I’m pretty sure some annuities you can buy direct from the insurer and not a broker. Have you tried going directly to the company website that you are interested in buying from? Maybe the annuity you want in particular is only sold through salespeople or brokers. I think some annuities always carry a load and are only sold through some sort of salesperson.