1. Jade turned 65 yesterday and purchased a joint and survivorship annuity (with her husband) immediate life annuity with the following two features:
   1. 10-year period certain
   2. Variable life/inflation guard

You're the couples financial/insurance advisor, explain feature (a) (10-year period certain) and feature (b) (variable life/inflation guard) to the couple so they can understand these features they're getting