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While the exact best age to purchase a deferred annuity will be different for each annuity investor, financial planners generally agree that between the ages of 45 and 55 is optimal.
1 Deferred annuity - You may leave your money in the retirement fund and apply for a deferred annuity once you meet one of the following minimum age and service combinations: 2  Age 62 and 5 years of service (unreduced annuity);  Age 60 and 20 years of service (unreduced annuity);