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Annuity Held to Term

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The life of an annuity has an accumulation period followed by an annuitization (pay-out) period. If the annuity is never claimed for redemption and the annuitization period never begun then the next annuitization event is the maturity date. Has anyone here ever held an annuity till the maturity date without a claim to begin annuitization?  How common is this investment scenario?

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