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If you read the FAQ below and search this board for annuity, you will find a lot of information. I just posted a question on this board, and the Insurance board for clarification, and got good answers.

IMHO, the most important fact is that if you buy a fixed annuity, your heirs receive nothing after you die. As for a variable annuity, you gain absolutely nothing except a lower return, since your money is already in a tax-deferred account.

If you are looking for a way to provide a steady, inflation-adjusted, income stream, please check out message #13041.

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