deferred life annuity

简明释义

递延终身年金,递延人寿年金

英英释义

例句

1.When considering retirement options, a deferred life annuity may provide tax advantages.

在考虑退休选择时，递延寿险年金可能提供税收优惠。

2.Many retirees choose a deferred life annuity to ensure a steady income stream in their later years.

许多退休人员选择递延寿险年金以确保在晚年有稳定的收入来源。

3.Investing in a deferred life annuity can be a smart way to plan for future financial needs.

投资递延寿险年金可以是规划未来财务需求的明智方式。

4.A deferred life annuity allows you to accumulate funds over time before receiving payouts.

一个递延寿险年金允许你在收到支付之前逐步积累资金。

5.With a deferred life annuity, your payments can begin at a specified future date.

通过递延寿险年金，你的支付可以在指定的未来日期开始。

作文

A deferred life annuity is a financial product designed to provide individuals with a steady income stream during their retirement years. Unlike immediate annuities, which begin payments right after a lump sum is paid, deferred life annuity contracts allow the individual to delay the start of payments for a specified period. This delay can be advantageous for those who want to accumulate more savings before they retire or for those who anticipate needing income later in life.The core concept behind a deferred life annuity is simple: you make a series of payments or a single lump sum payment to an insurance company, and in return, you receive regular payments starting at a future date. The income from a deferred life annuity can be particularly beneficial for retirees who have other sources of income but want to ensure that they have a guaranteed income later on.One of the main benefits of a deferred life annuity is the tax-deferred growth it offers. The money invested in the annuity grows without being taxed until it is withdrawn. This feature can be especially appealing for individuals looking to maximize their retirement savings. By deferring taxes, individuals can potentially accumulate a larger nest egg, which can lead to higher payouts when they finally start receiving their annuity payments.Additionally, deferred life annuities often come with various options for customization. For example, individuals can choose between fixed or variable payout options, depending on their risk tolerance and financial goals. Fixed payout options provide a guaranteed amount of income, while variable options may fluctuate based on market performance. This flexibility allows individuals to tailor their annuity to better fit their specific needs and circumstances.However, it is essential to consider the potential drawbacks of a deferred life annuity. One significant concern is the liquidity issue; once money is invested in an annuity, it is generally not accessible without incurring penalties. This lack of liquidity can be a disadvantage for individuals who may need access to their funds before the annuity payments begin. Furthermore, fees associated with deferred life annuities can vary significantly, and some contracts may have high surrender charges if you need to withdraw your money early.In conclusion, a deferred life annuity can be a valuable tool for retirement planning, providing individuals with a way to secure future income. Its tax-deferred growth, customizable options, and ability to provide a steady income stream make it an attractive choice for many. However, potential investors should carefully weigh the benefits against the drawbacks, particularly regarding liquidity and fees. As with any financial product, it is crucial to conduct thorough research and consult with a financial advisor to determine whether a deferred life annuity aligns with one’s overall retirement strategy.

递延终身年金是一种金融产品，旨在为个人提供在退休期间的稳定收入流。与立即年金不同，立即年金在支付一笔款项后立即开始支付，而递延终身年金合同允许个人在指定的时间内推迟支付的开始。这种延迟对于那些希望在退休前积累更多储蓄的人或那些预计在生活后期需要收入的人来说是有利的。递延终身年金的核心概念很简单：您向保险公司进行一系列付款或一次性支付，并作为回报，您将在未来某个日期开始定期收到付款。来自递延终身年金的收入对于那些有其他收入来源但希望确保在以后的生活中有保证收入的退休人员尤其有益。递延终身年金的主要好处之一是它提供的税收递延增长。投资于年金的资金在提取之前不会被征税。这一特点对于希望最大化退休储蓄的个人尤其吸引人。通过递延税收，个人可以潜在地积累更大的养老金，这可能在他们最终开始领取年金支付时带来更高的支付额。此外，递延终身年金通常具有多种定制选项。例如，个人可以根据自己的风险承受能力和财务目标选择固定或可变支付选项。固定支付选项提供保证的收入金额，而可变选项可能基于市场表现而波动。这种灵活性使个人能够根据特定需求和情况量身定制其年金。然而，考虑递延终身年金的潜在缺点也至关重要。一个重大问题是流动性问题；一旦资金投资于年金，通常在没有遭受罚款的情况下无法获得这些资金。这种流动性缺乏可能对那些在年金支付开始之前需要访问其资金的个人构成不利。此外，与递延终身年金相关的费用可能会有显著差异，一些合同在您需要提前提取资金时可能会有高额的退保费用。总之，递延终身年金可以作为退休规划的有价值工具，为个人提供确保未来收入的方式。其税收递延增长、可定制选项以及提供稳定收入流的能力使其成为许多人的有吸引力的选择。然而，潜在投资者应仔细权衡收益与缺点，特别是在流动性和费用方面。与任何金融产品一样，进行彻底研究并咨询财务顾问以确定递延终身年金是否符合整体退休策略至关重要。