text:  So people love this plan. They love it for when they have a retirement rollover and need to pull money out of the 401k and start generating income right away. Here we can get 5.35 guaranteed for life. I'm going to keep saying that because I like to say I can rarely say that in a business I have. So guaranteed for life. So if you need money right away and you're already 65, boom, 5.35 there. Let's say you're not yet.