What type of investor might be interested in a straight-life payout option?

A straight-life payout option is designed for individuals who prefer to receive a consistent stream of income for as long as they live. This option typically provides a higher monthly payment compared to other structures because there are no residual benefits to heirs after the investor's death. Therefore, an investor who prioritizes current income is most suited for this option, as it allows them to satisfy immediate financial needs or sustain their lifestyle throughout retirement without the concern for leaving a financial legacy.

The other choices reflect investor interests that are not aligned with the characteristics of a straight-life payout option. For instance, an investor seeking tax-deferred growth would look at investment vehicles that appreciate over time, while those concerned with legacy planning prioritize options that allow wealth transfer to heirs. Lastly, minimum withdrawal requirements pertain to flexible structures that support varied liquidity needs, which a straight-life payout does not offer. Thus, the focus on immediate and reliable income received from a straight-life payout clearly meets the needs of someone prioritizing current income.