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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.
Regulating Annuities. You can buy an annuity from a licensed life insurance agent, insurance company, financial planner, or broker. The Texas Department of Insurance (TDI) licenses agents and companies that sell annuities in Texas. TDI and the U.S. Securities and Exchange Commission jointly regulate variable annuities. The Financial Industry Regulatory Authority (FINRA) regulates security firms and also licenses agents who sell variable annuities.