Based on age criteria only, which co-annuitants listed below would receive the largest monthly benefit payments in a joint and survivor annuity?

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In a joint and survivor annuity, the monthly benefit is tied to how long the insurer expects payments to be made, which depends on the ages of both lives. The older the pair (and the closer their ages are), the shorter the expected payout period, so the contract can be priced to pay a higher monthly amount while still meeting its funding goal. Among the given age pairs, the co-annuitants with ages 71 and 73 are the combination that, based on age alone, yields the largest monthly payments. Younger pairs (like 60 and 62 or 65 and 68) have longer expected payout periods, which tends to reduce the monthly amount. The oldest pair (80 and 82) would typically have the shortest payout horizon, but factors such as underwriting and product constraints can limit the monthly rate at that extreme.