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A deferred annuity is an insurance contract where you invest money now and receive regular income payments starting at a future date (the deferral period). It combines a savings phase (accumulation) with a later income phase (annuitization), making it popular for retirement planning.

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1. 1Accumulation phase: money grows (tax-deferred in a traditional annuity)
2. 2Deferral period: typically 1–30 years before income begins
3. 3Annuitization: convert lump sum to regular income payments
4. 4Value at start of income = PV × (1+r)^deferral years

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