watty, the annuity is a fixed and they get about 75 dollars a month from it at 3 % this year they could leave the interest in there and let it accumulate. the ins. is term but the concern is that if my father passes first my mother will only have his social security because he took 100% of pension. He should be ok if my mother passes first. That is why we may drop her policy and save the premium.
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