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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.
Annuity XG. You can lock in a guaranteed rate of interest for an initial guarantee period of. your choice. 1 year 3 years 5 years 7 years. When your guarantee period ends, the interest rate resets with a 1-year guarantee. on each contract anniversary. 1-year renewal rates will be set periodically.