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Learn more about permanent life insurance, and how the investment proceeds or cash value can be used. First, we should let you know that we cant give you any specific investment or financial advice. If interest rates are high when you buy your annuity, your annuity payments will be higher than if interest rates were low. Thats because the financial institution predicts it can earn more by investing your money. Read these tips for choosing an annuity to see what you can do to get the best value for your investment.