Genworth Variable Annuity called POP (payment option plus)

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I am 78 and am in the process of getting a Variable Annuity that is only available to people over 75. I will get 9% for the rest of my life (my Mother lived to be 100) My husband will be the beneficiary and our children would get any balance if we both died. It is annuitized but we will pay very little tax since we are in a low tax bracket. I asm also looking at what is called JNL5 from Jackson National. We would leave all proceeds in the Jackson to "ratchet up" and not use this for income. We have an emergency fund and have very little debts. Please let usknow what you think.