What are the choices of annuity plans?

Annuity for life with return of purchase price in the unfortunate event of death: Subscriber shall receive pension until he/she is alive and the annuity shall be stopped in the event of the subscriber's death. The purchase price is returned to the nominee. Annuity guaranteed for 5, 10, 15 or 20 years and for life thereafter: On death during the guarantee period: Subscriber shall get annuity and after his/her death during the guaranteed period, annuity paid to the nominee till the end of the guaranteed period after which the same ceases and no return of purchanse price to the nominee. On death after the guarantee perdiod: Subscriber shall get payment of annuity all he/she is alive even the guaranteed period and annuity ceases after his/her death and no return of purchase price to the nominee. Annuity for life: Subscriber shall get payment annuity till he/she is laive and payment of annuity ceases on death and no return of purchase price to the nominee. Annuity for life increasing at a simple rate of 3% p.a.: Subcriber shall get payment of annuity till he/she is alive and the payment of annuity ceases on death and no return of purchase price to nominee. Annuity for life with a Provision for 50% of the annuity to the spouse of the annuitant for life on death of the annuitant: Payment of annuity ceases on death of the subscriber and 50% of the annuity is paid to the spouse during his/her lifetime. If the spouse predeceases the annuitant, payment of annuity will cease after the death of the annuitant. Annuity for the life with a Provision for 100% of the annuity payable to the spouse of the annuitant for his/her lifetime, on death of the annuitant: Payment if annuity ceases on death of the subscirber and 100% of the annuity is paid to the spouse during his/her lifetime. If the spouse predeceases the annuitant, payment of annuity will cease after the death of the annuitant. It can be with or without the return of purchase price. Subscriber can also add spouse in any of the variants above, except the default. The variants provided and the pricing of annuity can differ from one provider to another.