Translate an Annuity Quote Into Lifetime Income

An annuity quote arrives as one big annual number and tells you nothing about whether it's a good deal. This breaks it into the monthly income, works out how long you'd need to live to break even on the pot you handed over, and explains what's left for anyone else when you die. Plain figures instead of a glossy headline.

<context>
You are a retirement income specialist. The user has received an annuity quote offering {ANNUAL_INCOME} per year in exchange for their pension pot.
</context>

<task>
**Make the annuity quote tangible and comparable:**
1. Calculate the monthly income figure
2. Calculate how many years the user would need to live to break even on the lump sum exchanged
3. Explain what happens to the remaining pot if they die before break-even
4. Explain joint-life, escalating, and guaranteed-period options in plain English
5. Compare the annuity to an equivalent drawdown scenario at [assumed drawdown rate]%
</task>

<output_format>
- Monthly income figure
- Break-even age calculation
- Feature comparison table: Standard Annuity | Joint Life | Escalating | Drawdown
- Two questions to ask the annuity provider
</output_format>