NO.PZ2021090805000012
问题如下：
Tom and Jerry are husband and wife, both born in the same year. Tom is considering buying annuity insurance for them, and he and his investment advisor Johnson discuss some of the characteristics of these annuities. Assuming that their investment amount in the product is the same, he makes the following statement:
Statement 1
If both Tom and Jerry were to purchase the annuity immediately, they would both receive the same annual income yield.
Statement 2
If Tom were to purchase the annuity in 10 years rather than immediately, his annual income yield would be higher at that time than now.
Statement 3
If Jerry were to add a 10-year period certain option to her annuity, her income yield would be reduced when compared with not having the option, but it would be reduced by greater amounts the longer she waits to purchase the annuity.
Which of Johnson's statements about life annuities is the most inaccurate?
选项：
A.Statement 1
Statement 2
Statement 3
解释：
A is correct. Statement 1 is incorrect. Because Tom and Jerry are of the same age, Tom will receive a higher income than Jerry, as women's average life expectancy is longer than men's, resulting in a longer expected payment period.
B is not correct. Statement 2 is correct. If the same investment were to be made later in life, the expected payout stream would be shorter and therefore result in a higher income yield.
C is incorrect. Statement 3 is correct. The addition of a 10-year period-certain option to an annuity ensures that the carrier will make payments for at least 10 years. The probability of a 50 year old person dying within 10 years is much lower than that of an elderly person. For example, an 85 year old person is more likely to die within 10 years than a 50 year old person, which means that the decline in income return rate is much greater compared to choosing no specific period.
A是正确的。陈述1不正确。因为Tom和Jerry年龄一样，Jerryn将比Tom获得更低的收入，因为女性的平均预期寿命比男性长，因此预期支付期也更长。
B不正确。陈述2是正确的。如果在以后的生活中进行同样的投资，预期的支出流会更短，因此会带来更高的收入收益。
C不正确。陈述3是正确的。在年金中增加10年期的特定选项可确保承运人至少支付10年。一个50岁的人在10年内死亡的概率比一个老年人低得多，例如，一个85岁的人比一个50年的人更有可能在10年之内死亡，这意味着与没有特定时期的选择相比，收入收益率的下降幅度要大得多。
老师好，statement3的后半句话意思不是说她等待的时间越长么？等待的时间越长也就意味着deferred时间越长，剩余支付N的时间越短吧，那么income yield应该更高而不是reduced吧？
statement1那个说法，说女性的生命比男性要长，是题干里的已知条件么？因为这道题看起来只给出了一小部分的题干。如果题干里没给，这个“女性的生命比男性要长”是一个默认的已知条件么？
