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How to secure the best annuity rates when converting a lumps sum pension into an annuity.? - pension annuity rates

I am retirement age of private pension funds, which should be a pension.
The fund is being protected from funds and unprotected.
Myself and the wife is suffering from serious diseases can advise any 1) How to obtain the best annuity rates, 2): how the best annuity rates improved thanks to our major diseases