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I have a three-year myga coming due November 20. It is non qualified and has a 50 % exclusion ratio. It is with Brighthouse Financial I have social security and the pension both spia s and an spia with cash refund will another Insurance CompanyI don't really need this money but I'd like to take some income from it and leave something for my heirs. I'm 71 I'm thinking of another spia with cash refund for a tax benefit are getting a 5-year myiga and take out the interest only I would appreciate any comments . It's value is $118,600. Thank you