If you are talking about a lot of money I would look for a fee only financial advisor who knows annuities to review it. Sounds too good to be true.
I would also ask for a copy of all documents and read them. Then ask the sales person to explain the workding that is confusing. Remember the insurance compnay has to be able to earn enough to pay you plus their adminsitrative costs. Get quotes from a few different sources. Be sure you understnad what happens with inflation.
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