life annuity

简明释义

生存年金

英英释义

例句

1.Investing in a life annuity 终身年金 can be a smart choice for those looking for financial security.

投资于life annuity 终身年金可能是那些寻求财务安全的人的明智选择。

2.A retired couple decided to invest in a life annuity 终身年金 to ensure a steady income during their retirement.

一对退休夫妇决定投资于life annuity 终身年金，以确保在退休期间有稳定的收入。

3.The insurance company offered a variety of life annuity 终身年金 options tailored to different needs.

保险公司提供了多种针对不同需求的life annuity 终身年金选项。

4.Many financial advisors recommend a life annuity 终身年金 as a way to manage longevity risk.

许多财务顾问建议使用life annuity 终身年金来管理长寿风险。

5.She chose a fixed life annuity 终身年金 to provide predictable monthly payments.

她选择了一种固定的life annuity 终身年金，以提供可预测的每月付款。

作文

A life annuity is a financial product that provides a steady stream of income to an individual for the duration of their life. This type of arrangement is particularly beneficial for retirees who seek to secure a reliable source of income after they have stopped working. The concept of a life annuity revolves around the idea of converting a lump sum of money into periodic payments, typically on a monthly basis. This can help individuals manage their finances more effectively during retirement, ensuring that they do not outlive their savings.When someone purchases a life annuity, they usually make a one-time payment or a series of payments to an insurance company or financial institution. In return, the provider agrees to pay the individual a fixed amount of money at regular intervals for the rest of their life. This arrangement can offer peace of mind, as it eliminates the uncertainty of how long one's savings will last. There are various types of life annuities, including immediate and deferred annuities. An immediate annuity begins payments right away, often purchased by individuals who are already retired. On the other hand, a deferred annuity allows individuals to accumulate funds over time before receiving payments later in life. This flexibility allows individuals to choose the option that best fits their financial needs and retirement plans.One of the primary advantages of a life annuity is the guaranteed income it provides. Unlike other investment vehicles that may fluctuate in value, a life annuity offers a predictable income stream, which can be essential for budgeting and planning expenses during retirement. This can be particularly important in times of economic uncertainty, where stock market volatility can threaten the value of retirement savings.However, it is important to consider the potential downsides of a life annuity. Once an individual commits to this financial product, they may lose access to their initial investment, as the funds are typically locked in for the duration of the contract. Additionally, if the individual passes away shortly after purchasing the annuity, their beneficiaries may not receive any remaining funds, unless certain options are selected at the outset.Another factor to consider is the impact of inflation on the purchasing power of the annuity payments. If the payments do not increase over time, individuals may find that their fixed income does not go as far as it once did, especially if the cost of living rises significantly. Some life annuities offer inflation protection, but these options often come with higher premiums.In conclusion, a life annuity can be a valuable tool for retirement planning, providing a reliable income stream for individuals during their golden years. However, it is essential to weigh the pros and cons carefully and consider personal financial goals and circumstances before committing to this type of financial product. Consulting with a financial advisor can also help individuals make informed decisions about whether a life annuity is the right choice for their retirement strategy.

终身年金是一种金融产品，为个人在其生命期间提供稳定的收入来源。这种安排对于希望在停止工作后确保可靠收入的退休人员尤为有利。终身年金的概念围绕着将一笔一次性资金转换为定期付款，通常是按月支付。这可以帮助个人在退休期间更有效地管理财务，确保他们不会用尽储蓄。当某人购买终身年金时，他们通常会向保险公司或金融机构支付一次性付款或一系列付款。作为回报，提供者同意在其余生命期间以固定金额定期支付给个人。这种安排可以提供安心，因为它消除了一个人储蓄能维持多久的不确定性。有多种类型的终身年金，包括即期年金和递延年金。即期年金立即开始支付，通常由已经退休的人购买。另一方面，递延年金允许个人在未来的某个时间积累资金后再进行支付。这种灵活性使个人能够选择最符合他们财务需求和退休计划的选项。终身年金的主要优点之一是它提供的保证收入。与其他可能波动的投资工具不同，终身年金提供可预测的收入流，这对退休期间的预算和支出规划至关重要。在经济不确定时期，这尤其重要，因为股市波动可能威胁到退休储蓄的价值。然而，考虑终身年金的潜在缺点也很重要。一旦个人承诺购买这种金融产品，他们可能会失去对初始投资的访问权，因为资金通常在合同期限内被锁定。此外，如果个人在购买年金后不久去世，除非在开始时选择了某些选项，否则他们的受益人可能无法获得任何剩余资金。另一个需要考虑的因素是通货膨胀对年金支付购买力的影响。如果支付金额不会随时间增加，个人可能会发现其固定收入的购买力下降，尤其是在生活成本显著上涨的情况下。一些终身年金提供通货膨胀保护，但这些选项通常伴随着更高的保费。总之，终身年金可以成为退休规划的宝贵工具，为个人在黄金岁月中提供可靠的收入流。然而，在承诺这种类型的金融产品之前，仔细权衡利弊并考虑个人财务目标和情况至关重要。咨询财务顾问也可以帮助个人就终身年金是否适合其退休策略做出明智的决定。