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Hi GalinAZ-

When I think about this, I see it this way:

The annuity company gets your $87k and invests it. They they have to make more than they're paying you come out ahead, after all, they have to pay the wages of employees and the static costs of running their business. It seems to me that you could have someone here help you set up an investment ladder, whether in CDs or some other instrument (depending on your tax situation), that would pay out to you an amount that would exceed the payment that the annuity comapny can offer. I would take a little work on your part, but I think you would come out far ahead.

Just something to consider...

-$$$
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