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There is no way he can get 6 percent on a deferred annuity now.

I continue to find it interesting that you post is such absolutes.

Are you so aware of the universe of products that you are positive that nothing out there pays 6% these days?

I know of at least one - and if there is one, there are very likely more.

His $100,000 is gone as soon as he makes that purchase.

Again, you are assuming a life only annuity. Take a look at Period Certain. Heck, there are even some immediate annuities that provide liquidity - a person can request a return of their premium on some policies.

it actually pays a higher interest rate which starts immediately and not after 16 years of waiting for your principal to be returned.

This bit of false comparison has been repeated enough that I will simply ignore it.
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