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The annuity is a helpful multitool to have in the advisor toolbox.

Annuities can solve a number of different problems for clients. It is important, however, to understand the specific problem of the client and then match the right type of annuity to fix the specific issue the client wants to address. Following is a brief discussion of the various kinds of annuities that are available and what needs these different annuities are meant to address.

When the client needs a known income stream



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