contingency annuity; contingent annuity

简明释义

或有年金

英英释义

例句

1.Many retirees choose a contingency annuity to ensure they have a stable income in case of unexpected medical expenses.

许多退休人员选择应急年金以确保在意外医疗费用发生时有稳定的收入。

2.A contingency annuity can be especially beneficial for those with health concerns that may require long-term care.

对于可能需要长期护理的健康问题患者，应急年金尤其有利。

3.A contingent annuity can provide financial security for families who are concerned about future uncertainties.

对于担心未来不确定性的家庭来说，附带年金可以提供财务保障。

4.When planning for retirement, consider a contingent annuity as part of your overall strategy.

在规划退休时，考虑将附带年金作为整体策略的一部分。

5.Investing in a contingency annuity allows individuals to hedge against the risk of outliving their savings.

投资于应急年金使个人能够对抗超出储蓄寿命的风险。

作文

In the realm of financial planning, understanding various investment options is crucial for securing one's future. One such option is the contingency annuity, also known as a contingent annuity. This financial product offers a unique approach to managing risk and ensuring a steady income stream, particularly in uncertain circumstances. A contingency annuity is designed to provide payments based on specific conditions or events occurring in the future. For instance, it can be structured to pay out only if the annuitant reaches a certain age or if they experience a particular health event. This feature makes it an attractive option for individuals who want to prepare for unexpected life changes while still having some control over their financial resources.The primary advantage of a contingent annuity is its ability to mitigate risks associated with longevity and market fluctuations. Traditional annuities guarantee a fixed income for the rest of the annuitant's life, but they may not account for unforeseen circumstances that could affect the individual's financial situation. By incorporating contingency clauses, these annuities allow for flexibility and adaptability, ensuring that the policyholder can navigate through life's uncertainties without jeopardizing their financial stability.Moreover, contingency annuities can be tailored to meet the specific needs of the policyholder. For example, some individuals might prefer a payout structure that begins only after a certain event, such as retirement or a major health diagnosis. This customization ensures that the annuity aligns with the individual's life goals and financial aspirations, providing peace of mind in an unpredictable world.However, it is essential to consider the potential downsides of contingent annuities. The complexity of these products can make them challenging to understand for the average consumer. Additionally, the terms and conditions associated with the contingencies may vary significantly between providers, leading to confusion and potential dissatisfaction if expectations are not met. Therefore, thorough research and consultation with a financial advisor are critical before committing to such an investment.In conclusion, contingency annuities represent a valuable tool in the broader landscape of financial planning. They offer a way to secure income while accounting for life's unpredictable nature. By understanding the intricacies of these financial products, individuals can make informed decisions that align with their long-term objectives. As we navigate through the complexities of modern finance, embracing innovative solutions like contingent annuities can lead to greater financial security and peace of mind for the future.

在财务规划领域，理解各种投资选项对确保个人未来至关重要。其中一个选项是应急年金，也称为或有年金。这一金融产品提供了一种独特的方法来管理风险并确保稳定的收入流，特别是在不确定的情况下。应急年金旨在根据未来发生的特定条件或事件提供付款。例如，它可以被设计为仅在年金领取人达到某一年龄或经历特定健康事件时支付。这一特点使其成为希望为意外生活变化做好准备，同时仍能控制其财务资源的个人的吸引选项。应急年金的主要优势在于其缓解与长寿和市场波动相关的风险的能力。传统年金保证年金领取人终生固定收入，但它们可能未考虑可能影响个人财务状况的不可预见情况。通过纳入应急条款，这些年金允许灵活性和适应性，确保保单持有人能够在不危及其财务稳定性的情况下应对生活的不确定性。此外，应急年金可以根据保单持有人的具体需求进行量身定制。例如，一些个人可能更喜欢在某一事件发生后开始支付的结构，例如退休或重大健康诊断。这种定制确保年金与个人的生活目标和财务愿望保持一致，在不可预测的世界中提供安心。然而，考虑到应急年金的潜在缺点是至关重要的。这些产品的复杂性可能使普通消费者难以理解。此外，与应急条款相关的条款和条件可能在不同提供商之间显著变化，导致混淆和潜在的不满，因此在承诺此类投资之前，彻底的研究和咨询财务顾问至关重要。总之，应急年金代表了更广泛的财务规划景观中的一种宝贵工具。它们提供了一种在考虑生活不可预测性质的同时确保收入的方法。通过理解这些金融产品的复杂性，个人可以做出与其长期目标一致的明智决策。在我们应对现代金融的复杂性时，接受像应急年金这样的创新解决方案可以为未来带来更大的财务安全感和内心的平静。