In Slides 17-18 the attached, we mention that annuities payments vary across time (as shown in the table) and across some states in the U.S. (as can be explored by changing states, e.g. look at NV, CA and NY in https://www.immediateannuities.com/ (Links to an external site.)).
Why do you think this is the case? Why variation over time? Why variation across states?
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