annuitant

简明释义

英[əˈnjuːɪtənt]美[əˈnjʊɪtənt]

n. 领年金者；领受养老金者

复 数 a n n u i t a n t s

英英释义

单词用法

同义词

反义词

例句

1.It's important for the annuitant to understand the terms of the annuity contract.

对于年金受益人来说，了解年金合同的条款是很重要的。

2.As an annuitant, you will receive regular payments for the rest of your life.

作为年金受益人，您将在余生中定期收到付款。

3.The insurance company requires the signature of the annuitant to process the claim.

保险公司需要年金受益人的签名来处理索赔。

4.The annuitant can choose to receive payments monthly, quarterly, or annually.

年金受益人可以选择每月、每季度或每年收款。

5.The financial advisor explained the benefits of being an annuitant in a fixed annuity plan.

财务顾问解释了成为固定年金计划中的年金受益人的好处。

作文

In today's world, financial security is a primary concern for many individuals. One term that often comes up in discussions about retirement and pensions is annuitant. An annuitant is a person who receives periodic payments from an annuity, which is a financial product designed to provide income during retirement. Understanding the role of an annuitant can help individuals make informed decisions about their financial futures.An annuity is essentially a contract between an individual and an insurance company or financial institution. The individual pays a lump sum or a series of payments to the insurer, and in return, the insurer agrees to make periodic payments to the individual, usually starting at a specified age or after a certain period. These payments can be structured in various ways, including fixed amounts over a specific time frame or variable amounts based on investment performance. The person receiving these payments is referred to as the annuitant.The concept of being an annuitant is particularly relevant for retirees who are looking for a reliable source of income after leaving the workforce. For many, Social Security benefits may not be sufficient to cover living expenses, making annuities an attractive option. By becoming an annuitant, individuals can ensure they have a steady income stream, which can help alleviate the financial stress often associated with retirement.However, it is crucial for potential annuitants to understand the terms of their annuity contracts fully. Not all annuities are created equal; some come with high fees, surrender charges, or unfavorable terms that could diminish the benefits of being an annuitant. Therefore, consulting with a financial advisor before committing to an annuity is advisable. This way, individuals can assess whether the annuity aligns with their long-term financial goals.Moreover, the timing of when one becomes an annuitant can significantly impact the amount received. Generally, the longer an individual waits to start receiving payments, the higher the periodic payment will be. This factor is essential for those who are in good health and expect to live longer, as delaying the start of payments can result in a more substantial income later on.Another important aspect to consider is the type of annuity chosen. There are several types of annuities, including fixed, variable, and indexed annuities. Each type has its own set of advantages and disadvantages, and the choice depends on the individual's risk tolerance and financial objectives. For example, a fixed annuity offers guaranteed payments, while a variable annuity allows for potential growth based on market performance but comes with increased risk.In conclusion, the role of an annuitant is vital in the context of retirement planning. As people live longer and face increasing healthcare costs, having a reliable source of income becomes even more critical. Understanding what it means to be an annuitant and carefully evaluating annuity options can empower individuals to create a secure financial future. Ultimately, the decision to become an annuitant should be made with careful consideration and professional guidance to ensure it fits into a broader retirement strategy.

在当今世界，财务安全是许多个人的主要关注点。在关于退休和养老金的讨论中，常常会提到一个术语——年金受益人。年金受益人是指从年金中获得定期支付的人，年金是一种旨在为退休提供收入的金融产品。理解年金受益人的角色可以帮助个人做出明智的财务决策。年金本质上是个人与保险公司或金融机构之间的合同。个人向保险公司支付一笔总额或一系列付款，作为回报，保险公司同意在指定年龄或某个时期后向个人支付定期款项。这些付款可以以各种方式结构化，包括在特定时间框架内的固定金额或基于投资表现的可变金额。接收这些付款的人被称为年金受益人。成为年金受益人的概念对于那些希望在离开工作岗位后获得可靠收入的退休人员尤其相关。对许多人来说，社会保障福利可能不足以覆盖生活费用，这使得年金成为一种有吸引力的选择。通过成为年金受益人，个人可以确保他们拥有稳定的收入来源，这可以帮助减轻与退休相关的财务压力。然而，潜在的年金受益人必须充分理解他们年金合同的条款。并非所有年金都是平等的；有些伴随高费用、退保费用或不利条款，可能会减少成为年金受益人的好处。因此，在承诺购买年金之前，咨询财务顾问是明智的。这样，个人可以评估年金是否与他们的长期财务目标一致。此外，成为年金受益人的时机也会显著影响收到的金额。通常，个人越晚开始领取付款，定期付款的金额就越高。这个因素对那些身体健康且预期寿命较长的人尤为重要，因为推迟开始付款可能会导致将来更可观的收入。另一个需要考虑的重要方面是所选择的年金类型。年金有几种类型，包括固定年金、可变年金和指数年金。每种类型都有其自身的优缺点，选择取决于个人的风险承受能力和财务目标。例如，固定年金提供保证付款，而可变年金则允许根据市场表现的潜在增长，但伴随着更高的风险。总之，年金受益人的角色在退休规划中至关重要。随着人们寿命延长和医疗费用增加，拥有可靠的收入来源变得更加重要。理解成为年金受益人的含义并仔细评估年金选项，可以使个人能够创造安全的财务未来。最终，决定成为年金受益人的过程应经过仔细考虑和专业指导，以确保其适合更广泛的退休策略。