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Hopefully, you've successfully saved for your retirement and now have a portfolio of investments.

But, several questions arise upon retirement. How will you get a regular income from your investments? Will your investments last your life-time? How safe are those investments?

These questions and others (such as how much, if any, of your estate you want to bequeath) are based on your unique situation.

However, there's one investment which can provide you with an income for life. This is known as an annuity; you pay a lump sum to an insurance company and they, in turn, guarantee a regular income.