what is the difference between annuity and life insurance?
an annuity is a form of insurance that gives an individual the right to receive a certain amount of money over a particular period of time, usually for the rest of one's life. people usually go for an annuity to plan for their future,
on the whole, it's not too different - but europe / uk have better healthcare and social systems in place, and better working conditions / employment laws one doesn't substitute for the other; they are two very different things. so, if there's time for both, why not have both? let a ≡ event that man who is 45 will be alive till age 70. b ≡ event that wife who is 40 will be alive till age 65. it is given that, p(a) = `5/12`, p(b) = `3/8` ∴ p(a') = 1 – p(a) = `1 - 5/12 = 7/12` ∴ p(b') = 1 – p(b) = `1 - 3/8 = 5/8` a, b are independent ∴ a, b'; a', b; a', b' are also independent p(none of them will be alive) =p(a' ∩ b') = p(a')·p(b') = `7/12*5/8` = `35/96`. sue, the difference between chronic and acute renal failure is the time it takes to develop. at the end the result is the same, but obviously chronic failure takes longer to reach the end. i have no information on what the longest time is, but it’s probably more than a decade. the best would be to contact his nefrologist and ask him. good luck. apple: top few most valuable companies in the world. amazing products. doing interesting work in several fields. could stop selling product for years and still be solvent.alipay: rapid growth, large but niche market. chinese owned. pre ipo so your options are worthless. about ready to ipo so probably really diluted too.lyft: lower comp, smaller and niche market. dependent on gig workers to provide labor. long term outlook?really depends on what you want, but unless one of the others really interests you for some reason, go with apple for a while. probably better comp, looks great on resume. "insurance companies view older, new drivers just as high risk as younger, new drivers. the reason why older drivers have better rates is typically because they've been driving longer. 
 
older drivers are often able to prove to insurance companies that they're reliable. a new driver hasn't had that experience, so insurance companies are taking on more risk by insuring them.
 
additionally, since you live in a large city, your rates will normally be higher than a suburb or smaller town. 
 
to find out what your rate will be, you'll want to request [car insurance quotes](https://getjerry.com/car-insurance) from different carriers. this will give you a good idea of how much you'll be paying in car insurance. 
 
while your rates may be high to begin with, your rates should begin to decrease if you maintain insurance and a clean driving record." no ... trivia plus: they are 19 years apart in age, too. if you have hired help, it is crucial to talk with your agent about what you are and are not covered for. this can be different in every state and every situation. 

for example, if the babysitter you get from time to time is hurt on your property, your policy will cover this. however, if you directly employ a full-time nanny, they may not be covered since in some states, you would be required to provide workers’ compensation insurance. 

also, there can be a difference depending on whether you directly hire someone or if they are part of an agency that you contract through. usually, if your employee is part of an agency, they will already have insurance with that company. 

as you can see, there are a lot of potential scenarios to consider, and it would be best to speak with your insurance agent. this is a situation where most people are not adequately protected. a thousand years from now, yes. a million years from now, probably not. Here are just the A's in the list of phobias   

 Ablutophobia- Fear of washing or bathing.   

Acarophobia- Fear of itching or of the insects that cause itching.   

Acerophobia- Fear of sourness.   

Achluophobia- Fear of darkness.   

Acousticophobia- Fear of noise.   

Acrophobia- Fear of heights.   

Aerophobia- Fear of drafts, air swallowing, or airbourne noxious substances.   

Aeroacrophobia- Fear of open high places.   

Aeronausiphobia- Fear of vomiting secondary to airsickness.   

Agateophobia- Fear of insanity.   

Agliophobia- Fear of pain.   

Agoraphobia- Fear of open spaces or of being in crowded, public places like markets. Fear of leaving a safe place.   

Agraphobia- Fear of sexual abuse.   

Agrizoophobia- Fear of wild animals.   

Agyrophobia- Fear of streets or crossing the street.   

Aichmophobia- Fear of needles or pointed objects.   

Ailurophobia- Fear of cats.   

Albuminurophobia- Fear of kidney disease.   

Alektorophobia- Fear of chickens.   

Algophobia- Fear of pain.   

Alliumphobia- Fear of garlic.   

Allodoxaphobia- Fear of opinions.   

Altophobia- Fear of heights.   

Amathophobia- Fear of dust.   

Amaxophobia- Fear of riding in a car.   

Ambulophobia- Fear of walking.   

Amnesiphobia- Fear of amnesia.   

Amychophobia- Fear of scratches or being scratched.   

Anablephobia- Fear of looking up.   

Ancraophobia- Fear of wind. (Anemophobia)   

Androphobia- Fear of men.   

Anemophobia- Fear of air drafts or wind.(Ancraophobia)   

Anginophobia- Fear of angina, choking or narrowness.   

Anglophobia- Fear of England or English culture, etc.   

Angrophobia - Fear of anger or of becoming angry.   

Ankylophobia- Fear of immobility of a joint.   

Anthrophobia or Anthophobia- Fear of flowers.   

Anthropophobia- Fear of people or society.   

Antlophobia- Fear of floods.   

Anuptaphobia- Fear of staying single.   

Apeirophobia- Fear of infinity.   

Aphenphosmphobia- Fear of being touched. (Haphephobia)   

Apiphobia- Fear of bees.   

Apotemnophobia- Fear of persons with amputations.   

Arachibutyrophobia- Fear of peanut butter sticking to the roof of the mouth.   

Arachnephobia or Arachnophobia- Fear of spiders.   

Arithmophobia- Fear of numbers.   

Arrhenphobia- Fear of men.   

Arsonphobia- Fear of fire.   

Asthenophobia- Fear of fainting or weakness.   

Astraphobia or Astrapophobia- Fear of thunder and lightning.(Ceraunophobia, Keraunophobia)   

Astrophobia- Fear of stars or celestial space.   

Asymmetriphobia- Fear of asymmetrical things.   

Ataxiophobia- Fear of ataxia. (muscular incoordination)   

Ataxophobia- Fear of disorder or untidiness.   

Atelophobia- Fear of imperfection.   

Atephobia- Fear of ruin or ruins.   

Athazagoraphobia- Fear of being forgotton or ignored or forgetting.   

Atomosophobia- Fear of atomic explosions.   

Atychiphobia- Fear of failure.   

Aulophobia- Fear of flutes.   

Aurophobia- Fear of gold.   

Auroraphobia- Fear of Northern lights.   

Autodysomophobia- Fear of one that has a vile odor.   

Automatonophobia- Fear of ventriloquist's dummies, animatronic creatures, wax statues - anything that falsly represents a sentient being.   

Automysophobia- Fear of being dirty.   

Autophobia- Fear of being alone or of oneself.   

Aviophobia or Aviatophobia- Fear of flying.