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A guaranteed annuity or life and certain annuity, makes payments for at least a certain number of years (the "period certain"); if the annuitant outlives the specified period certain, annuity payments then continue until the annuitant's death, and if the annuitant dies before the expiration of the period certain, the annuitant's estate or ...
Life with period certain. A life with period certain annuity combines the benefits of lifetime income with a guaranteed minimum payment period. While it’s similar to a straight life annuity ...
Annuities can pay you for a certain period, or for the rest of your life -- and even for the rest of your spouse's life, too. You select the period and whether it's a single or joint policy when ...
Certain annuities also offer the flexibility of disbursing funds under specific circumstances during your lifetime, such as following your admission to a nursing home or after the diagnosis of a ...
A viable alternative to the life-with-period-certain annuity is to purchase a single-premium life policy that would cover the lost premium in the annuity. Impaired-life annuities for smokers or those with a particular illness are also available from some insurance companies. Since the life expectancy is reduced, the annual payment to the ...
Annuities that provide payments that will be paid over a period known in advance are annuities certain or guaranteed annuities. Annuities paid only under certain circumstances are contingent annuities. A common example is a life annuity, which is paid over the remaining lifetime of the annuitant. Certain and life annuities are guaranteed to be ...
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