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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.
Annuities are often touted as an investment, but they actually work more like an insurance policy. When you buy an annuity, you pay a company a set amount of money and are guaranteed to get a lump sum of cash every month for the rest of your life. The complicated part is figuring out whether or not buying an annuity makes sense for you.