Lucky recently won $1,000,000 the Lotto 6/49 Draw. Forty-eight years old and single with no children, he has already received over 25 calls from eligible women. Lucky has given his investment options serious thought, and likes the features annuities can provide. He is in excellent health and both of his parents are still alive at age 94 and 92. Which of the following factors related to annuities would be most important to Lucky?

	The guaranteed number of payments from the annuity
	The rate of return he will earn within the annuity
	Whether the annuity is based on smoker or non-smoker rates
	Whether the annuity is a life annuity or for a term certain period