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eee · 2019年04月19日

书后21题 关于年金类型




The Barksdales also worry about longevity risk given their family history and healthy lifestyle. Both spouses want an annuity for their later years (beginning in 40 years) that will ensure the greatest supplemental, level income stream relative to the cost. The Barksdales are willing to forgo the right to cash out the policy.







Which type of annuity best satisfies the Barksdales’ desire for supplemental income in their later years?

  1. Deferred fixed

  2. Deferred variable

  3. Advanced life deferred

题干中还提到forgo the right to cash out,我记得可变年金是可以cash out的,请问还有哪些可以?alda也可以吗



1 个答案

Shimin_CPA税法主讲、CFA教研 · 2019年04月19日

书上只提到了一种可以cash out, 是Deferred fixed annuities:Once in retirement, the individual has two options: (1) cash out or (2) begin withdrawing the accumulated funds. cash out相当于是把年金一次性提现,如果是可变年金,一次性提现就体现不出它随市场变动的特点了。alda不能,alda是放弃了cash out 的权利,它是更加延迟的年金,比如85岁之后开始支付,保障的是客户年纪太大、生病更重,维持基本生活水平的,不会选择一次性提现。

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