Annuities can be structured generally as either fixed or variable. Fixed annuities provide regular periodic payments to the annuitant. Variable annuities allow the owner to receive greater future cash flows if investments of the annuity fund do well and smaller payments if its investments do poorly.n annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.
Educational Requirements for PTs. Before they are allowed to practice, physical therapists must have earned graduate degrees from accredited academic programs in physical therapy. These programs typically culminate in a doctoral degree and take at least three years to complete.
How to Become a Physical Therapist[About this section] [To Top] Get the education you need: Find schools for Physical Therapists near you! Physical therapists need a Doctor of Physical Therapy (DPT) degree. All states require physical therapists to be licensed. Licensing requirements vary by state but all include passing the National Physical Therapy Examination administered by the Federation of State Boards of Physical Therapy. Several states also require a law exam and a criminal background check.