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Dire medical needs are not the only reason to consider selling annuity payments. When an annuity is converted into a payment stream Cigarettes Online Free Shipping, the payments are calculated by using current interest rates Wholesale Cigarettes Online. If you converted your annuity in a low interest rate environment, you are likely receiving lower payments than what you would have in a high interest rate environment. If interest rates are moving higher, it may be time to consider selling your current payments in exchange for higher rate payments.