NO.PZ202301041000002306
问题如下：
The type of life annuity that is most consistent with the Grahams’ risk tolerance and retirement spending plans is a:
选项：
A.variable joint life annuity.
fixed joint life annuity.
variable life annuity with period certain.
解释：
A variable joint
life annuity is most appropriate. The Grahams have characteristics that are
compatible with variable annuities—average risk tolerance and the ability to
adjust their spending in retirement—enabling them to select a variable annuity
for which payment is linked to a risky portfolio of assets. The joint life
feature will provide payments until both of them are no longer living.
B is incorrect.
While the joint life feature would provide payments until both of the Grahams
are no longer living, a fixed annuity would lock them into a constant income
stream that is guaranteed not to change.
C is incorrect.
The life annuity with period certain feature provides payment for the life of
the annuitant and is guaranteed for a minimum number of years. If Bradley
purchased a variable life annuity with period certain policy with a
10-yearguarantee and he died after 6 years, Reagan would receive payments for
only 4 more years as the beneficiary. If Bradley died after the guaranteed
minimum, say at 12 years, Reagan would not receive any more payments.
这个知识点在哪里讲到的？谢谢
