You should look at the web site
Immediate Annuities - Income Annuity Quote Calculator - ImmediateAnnuities.com. You can compare payouts under various scenarios (ex. joint life, single life) there as well as getting quotes from several insurance companies, and purchasing one through their web site. SPIAs are not the high commission, high fee variable annuity products that people rightly complain about. SPIAs help insure that you will not outlive your money, though importantly they do not protect you from inflation. I would wait until the Fed raises interest rates to purchase one because the payout rates are very low now.