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Have you experienced/used annuity, if so explain which sub-group of annuity you were dealing with. p.s: I don't experienced annuity then can you write about

Have you experienced/used annuity, if so explain which sub-group of annuity you were dealing with.

p.s: I don't experienced annuity then can you write about if I will experience with this, I will deal with such as...

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