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Zunniyaki · 2021年01月06日

问一道题:NO.PZ201704060100000306

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问题如下:

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

选项:

A.

Deferred fixed

B.

Deferred variable

C.

Advanced life deferred

解释:

C is correct.

In contrast to an immediate payout annuity, an advanced life deferred annuity’s (ALDA’s) payments begin later in life—for example, when the individual turns 80 or 85. An ALDA would provide the greatest supplemental level income relative to the cost because the payments are made far in the future, life expectancy is shorter when the payments begin, and some policyholders will die without receiving payments.

想问一下ALDA是不是仅针对lifeexpectancy比较长的人,如果lifeexpectancy比较短挂得早买这种年金的话就比较吃亏?

1 个答案

王暄_品职助教 · 2021年01月07日

是的,因为ALDA是针对很远的将来的时间给的年金。所以挂的早,确实比较吃亏。

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