Those who are 50 years old and older should start to look seriously at long-term-care policies, or should start investing money from a reputable insurance company to make sure that you will have money to claim either lump-sum payment or with installments paid over time. Remember, the younger you are when you start the policy, the lower your payments will be. And so, if you plan for a better future, start investing now at http://www.AnnuityAdvantage.com. You may visit the site for more updates regarding the current annuity rates, whether the annuity is fixed, variable or indexed. Usually, distribution of payments depends on the contract. You may choose every three months, every six months or receives it annually.