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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.
Based on your description, you could either purchase a single premium immediate annuity with a cash refund option or a fixed index annuity with an income rider. If you're looking to start your monthly payments within a few months, the immediate annuity will pay you more income than the index annuity.