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Annuities present a stream of payments and are generally categorised as insurance as a result of they are issued by insurance corporations, are regulated as insurance, and require the identical kinds of actuarial and funding administration expertise that life insurance requires. Annuities and pensions that pay a profit for life are generally considered insurance coverage towards the possibility that a retiree will outlive his or her financial sources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror picture of life insurance coverage.