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Single premium immediate annuities (SPIA) are a way to turn money into income. You fund them, and then you start drawing income the very next months. These are products that insurance companies offer. Buy them from insurance companies or licensed agents. For this discussion, we are talking about "fixed" annuities. They are low risk savings vehicles, backed by organizations and tough state regulations.
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If husband or wife would continue working after your passing then deduct their salary from get, will be of coverage you will require. This would reduce premium barely. However, if desire to plan for an eventuality where you spouse would no longer need to work, then ignore this step and prepare for no more money.
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