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Such contracts provide an income during retirement or a stream of payments as a settlement of a personal injury lawsuit (i.e., a structured settlement). Some annuities (called joint life or joint and survivor annuities) continue paying a second person (i.e., the beneficiary ) after the annuitant dies, until that person dies as well. (For example, an annuity may be structured to make payments to a married couple, such payments ceasing on the death of the second spouse.)

These premium rates are developed independently of the mortality experiences of any particular group and are really based on the experiences of an average group.Such rates could theoretically be used for every group to insured .In practise,however,this is undesirable because some groups will have distinctly above average or bolow average mortality.