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The time period annuity in present use within the insurance coverage trade, refers to two very several types of legal contracts with very different functions. That is an insurance coverage coverage which makes a collection of either stage or fluctuating payments, paid out over a fixed number of years or through the lifetime(s) of 1 or two individuals, or in any mixture of lifetime plus interval sure guarantees. In a typical rapid annuity contract, a person would pay a lump sum or a series of funds (referred to as premiums) to an insurance coverage firm, and in return obtain a hard and fast revenue payable για the remainder of their life. As well as referring to insurance coverage merchandise, it is not uncommon in finance idea to name any stream of mounted payments over a specified time period an annuity. Impaired life annuities για people who smoke or these with a selected sickness are additionally obtainable from some insurance corporations.

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