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Single Premium Immediate Annuity SPIA Form ASIST in NY, NSINY , NSINY SPIA form varies by state and by payout option . for de.s on specific costs, benefits, limitations and availability in .An income annuity has no cash value. Once issued, it cannot be revoked, and the initial investment is not refundable and cannot be withdrawn or exchanged for another annuity. Joint and survivor life options may reduce the current income payment upon the of the primary annuitant..