Are your friends starting to talk about annuities?

Are your friends starting to talk about annuities?

At a very basic level, here's how an annuity works: You pay a lump-sum premium into an annuity with an insurance company, then that insurance company makes payments to you either immediately or at some date in the future.

In most cases, you may choose to receive the annuity payments monthly, quarterly, annually or even in a lump sum.

What about the different riders you can purchase with an annuity such as the death benefit rider or long-term care rider?

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