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.
Educational Requirements. A degree in physical therapy prepares an individual with the skills and knowledge necessary to assist patients who have debilitating ailments. A physical therapist will assist by evaluating the patient and developing a plan to promote movement, remove pain and restore function to the injured area.