Gametes are the reproductive cells used during sexual reproduction to produce a new organism called a zygote. The gametes in males and females are different. The male gamete is called sperm. It is much smaller than the female gamete and very mobile.
Death Benefit Provision. Another important feature of some annuities is the death benefit provision. The annuity issuer guarantees at a minimum that upon your death your total premiums invested are paid to your beneficiaries. Many annuities âstep-upâ on the anniversary of the date the annuity was purchased, to the highest value at any preceding anniversary; or guarantee a minimum 5% to 7% interest compounded annually, whichever is greater.
The benefit received differs among companies and contracts, but the beneficiary is guaranteed an amount equal to what was invested or the value of the contract on the most recent policy anniversary statement, whichever is higher.AA |. A benefit term that guarantees that the beneficiary, as named in the contract, will receive a death benefit if the annuitant dies before the annuity begins paying benefits.