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Annuities are retirement savings plans similar to bank savings accounts and Certificates of Deposit. Annuities are issued by life insurance companies and typically offer better interest rates, more tax advantages, and a guaranteed income you cannot outlive.
 There are several different types of annuities to choose from. If you are looking to maximize your retirement savings, consider a deferred annuity, such as fixed deferred, variable deferred, or equity-indexed annuity. If you are ready to retire and want immediate payments, select an immediate annuity.
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