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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.
The current rate for this annuity program is 8.5 percent when the policy is issued at age 85 for a male applicant, but it's important to read the fine print. The 8.5 percent is the policy's payout rate, not an interest rate. The payout you receive includes both interest and return of principal.