Mom's Annunity...HELP !

[VolAgent]

There is no fee or premium to be paid for survivorship options.
But, there is a difference in the Payout amount when you choose survivorship.

So your mom chose to have a slightly lower annual payout, so that she could ensure that your dad would be able to continue the income payments if she were to die first.

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Pension max is great if they are insurable.... even then a rateup can kill the effectiveness of it.

I didn't say it was perfect, just this helped bring about its creation.

Everything has its drawbacks.