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Deferred
A deferred annuity allows the investor to build the value of their account over time and convert it to income in the future. This type of annuity has two phases, the accumulation phase and the payout phase. For most people, the payout phase occurs during retirement.
A deferred annuity is a contract between a life insurance company and an individual (the annuity owner).
Annuity products including; fixed income and variable annuities, retirement services and long term investment programs.