Can An Annuity Include Provisions To Guarantee My Beneficiary Will At Least Get My Investment Back If I Die Prematurely?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Yes. Many types of provisions have been devised for this purpose. For example, the income can continue to a second person. Or, the contract can guarantee a lump sum payment or a minimum number of payments. Annuities that include such provisions will return somewhat lower payments than those annuities which do not have such provisions.

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