This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.RetirementBest AnnuitiesAnnuity sales are soaring. But they’re often complicated, with confusing fee structures. Certain ones can make sense for a portion of your retirement portfolio.By Karen HubeAnnuity protections are getting increasingly creative.