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Life Annuity with Period Certain is an annuity payout option that provides payments to the annuitant for life or to their estate for the period certain, whichever is longer.
When an investor who has purchased an annuity annuitizes the contract they must select a payout option for the contract. An investor who is seeking the large monthly payment but who still wants to ensure that the payments are made for a minimum period of time would select the life with period certain option.