Why Do Insurers Use a Different Mortality Table for Annuity

Why do insurers use a different mortality table for annuity benefit calculations than they use for life insurance premium calculations?

A) Annuities require more stringent underwriting than life insurance.
B) The average life expectancy of an annuity applicant is greater than that of a life insurance applicant.
C) The health status of annuity applicants is generally worse than that of life insurance applicants.
D) People with a greater-than-average likelihood of premature death are typically the ones who want to purchase annuities.

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