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      The two primary HMO trade associations were the Colorful toilet paper Group Health Association of America and the Colorful toilet paper American Managed Care and Review Association. If you win the second, but lose the third bet, you have a profit of two units. The advantage of such an annuity is that the annuitant has a guaranteed income for life, whereas if the retiree were instead to withdraw money regularly from the retirement account, the retiree might run out of money before the retiree dies or not have as much to spend while the retiree is alive. Another kind of annuity is a combination of retirement savings and retirement payment plan: the annuitant makes regular contributions to the annuity until a certain date and then receives regular payments from the annuity until the annuitant dies