JOINT LIFE INCOME WITH REDUCED PAYMENTS TO SURVIVOR - PAYMENT OPTION RATES MONTHLY LIFE INCOME PER 51,000 OF AMOUNT APPLIED MALE1 8 MALE2 MALE1 MALE2 IS YOUNGER THAN MALE1 BY: AGE* 10 Yrs. 9 Yrs. 8 Yrs. 7 Yrs. 6 Yrs. 5 Yrs. 4 Yrs. 3 Yrs. 2 Yrs. 1 Yr. 60 $4.06 $4.09 $4.13 $4.17 $4.2