2352. What are the two distinct phases of a deferred annuity?

Waiting and Starting phases
Loading and Unloading phases
Accumulation and Payout phases
Commutation and Continuation phases
✅ The correct answer is C.
Accumulation and Payout phases are the two distinct phases of a deferred annuity. A deferred payment annuity is an insurance product that provides future payments to the buyer rather than an immediate stream of income.

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