Try this site where you can compare quotes from different companies: WWW.ANNUITY-HELP.US 30 month period with a 12% annual rate of return, compounded monthly. Investment =? if they receive 35K/month? what present value equation should I use? I'm stuck figuring this out. Should it be present value of 1 due in n periods or present value of an annuity of 1 per period? Please explain.