https://www.proz.com/personal-glossaries/entry/3644762-annuity-contracts-with-no-surrender-value-%D0%B4%D0%BE%D0%B3%D0%BE%D0%B2%D0%BE%D1%80%D0%B8-%D0%B7%D0%B0-%D0%B3%D0%BE%D0%B4%D0%B8%D1%88%D0%BD%D0%B0-%D0%B8%D1%81%D0%BF%D0%BB%D0%B0%D1%82%D0%B0-%D0%B1%D0%B5%D0%B7-%D0%BE%D1%82%D0%BA%D1%83%D0%BF%D0%BD%D0%B0-%D1%86%D0%B5%D0%BD%D0%B0-%D0%BD%D0%B0-%D0%BE%D1%81%D0%B8%D0%B3%D1%83%D1%80%D0%B8%D1%82%D0%B5%D0%BB%D0%BD%D0%B0%D1%82%D0%B0-%D0%BF%D0%BE%D0%BB%D0%B8%D1%81%D0%B0