Do new Imacs come with Microsoft Excel and Word for Mac installed?

Or do I have to order it in the options when I go to get a new Imac?  I use Excel and Word spreadsheets.  Thanks.

No.
You would have to purchase these separately through either the Mac App Store,  Microsoft or through a third party software sales vendor.
OR you can purchase through the Mac App Store iWork suite of apps that includes Pages (word processor/page layout app) Numbers ( spreadsheet app) and Keynote ( slide and audio/video presentation software).

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