In Rowe v. Bankers Life & Cas. Co., 2012 U.S. Dist. LEXIS 43198 (N.D. Cal. Mar. 29, 2012), Estella Rowe, a senior citizen, bought an equity-indexed deferred annuity. After she did so, she learned that this particular kind of annuity (like most annuities) is not a very good investment. So she