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Thanks for the followup. My father is 70, so-so health. We've both been discussing life expectancy for ten years (sad subject). He does not need to have the whole principal near the end of this life. The monthly income does need to keep up with inflation. And he does have life insurance but it's term.

----Original message----
1. For how long does he need to draw the monthly income?
2. Does he absolutely need to have the whole principle around at the end of that time?
3. Does he need the monthly income to grow with inflation?
4. Does he have life insurance?
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