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>> According to this 2003 data, expected additional years for a 65 year old is 18.4

This chart doesn't differentiate by gender. I believe most (all?) annuities will do so. It would assume a man has less than 18.4 years and a woman has more than 18.4 years, and adjust the payout accordingly so a female at any given age would receive less than a male.

If it's a 100% joint and survivor annuity that would become a moot point, though.

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