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First, the authors introduce the model setup within a continuous-time setting, describing the mortality model, the tontine structure and the organization of fees. Then the utility-maximizing tontine payoffs under each fee structure is obtained. According to the insurer's perspective, fee-based tontines are compared to fee-based annuities. In particular, the indifference loading of the tontine which makes policyholders indifferent to choosing between annuities or tontines is specified. Moreover, the reserves of annuities and tontines are studied. 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