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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.
How to Handle Inherited Annuity â 3 Comments. 1  When you factor the time value of money youâre better off with a lump sum. Consider it this way â you have $25,000 and the year is 1969. 2  Annuity is such a very valuable policy to secure your future after retirement . This information about inherited annuity and the way of handling are explained very well . One thing that people do not look at when purchasing an annuity is the surrender charge and whether it is an IRA.