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Annuities present a stream of payments and are generally categorised as insurance coverage because they’re issued by insurance companies, are regulated as insurance, and require the identical sorts of actuarial and funding administration experience that life insurance requires. Annuities and pensions that pay a benefit for life are generally thought to be insurance coverage towards the possibility that a retiree will outlive his or her monetary resources. In that sense, they’re the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance coverage.