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All these options may reduce your payment guarantees compared with a no-frills DIA. It's also essential to keep in mind that annuity payment guarantees are based on the financial ability of the issuing insurance company to honor its commitments. Because DIAs are based on future payments, it's crucial to look closely at the financial ratings of the insurers selling the products, which can be obtained from ratings firms, including A.M. Best, Moody's and Standard & Poor's. |
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