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The Board entitled "Annuities" has not seen a post since 2003.

Either that is a typo or you are looking at the wrong board:

Last post was 2013.

The 3% APY $100K CD comes due in 15 months.

If the question is between a 3% CD and an annuity that pays 6% (per your math), I think that is an easy choice - but the devil is in the details.

One would hope that CDs eventually get back up to reasonable rates - but how long do you want to wait for such?

Is that 6% an Income Benefit or a Withdrawal Benefit? In my experience, an Income Benefit does not erode your death benefit while a Withdrawal Benefit will.

Do you actually need $6000 in income or can you get buy on $3000 from the CD?

Post the name of the annuity you are considering and we can likely give you more detailed feedback.
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