问题如下：
Marion concerns about longevity risk given their family generally have long life spans. Both Marion and his wife shelly want an annuity begins later in life (not begin until age 85) that will provide additional security and can supplement income in later years. Which type of annuity best suits the Marion’s goal for supplemental income in their later years?
选项：
A.Advanced life deferred
B.Deferred variable
C.Deferred fixed
解释：
A is correct.
考点: Annuity
解析:与immediate payout annuity不同的是，Advanced life deferred (ALDA’s)的支付开始于人生较晚阶段，例如，当个人年满80岁或85岁时。与成本相比，ALDA将提供最大的收入补充水平，因为付款是在遥远的未来进行的，当付款开始时，预期寿命较短，有可能一些投保人在付款尚未开始前就已经离世。
李老师在讲ALDA时举例，比如60岁的时候开始给一笔年金，一直给，到80岁的时候每年再追加一笔。
题目中讲主人公想80多岁以后开始要年金，并没有在早年想要年金，感觉不符合ALDA的定义？ALDA不是hybrid of deferred fixed annuity and immediate fixed annuity吗？并没有在题目中看到任何immediate的特征。
我看了一下对于此题的过往问答，说“Annuity分为life annuity 和Deferred fixed annuity 以及Deferred variable annuity”，这个我真的不认同，讲义里，life annuity是归在payout methods知识点里，与period-certain annuity等支付方式并列；而deferred fixed, deferred variable, immediate fixed, immediate variable是在annuity分类这个知识点里；两个知识点应该是平行的吧？视频里似乎并没有说deferred不是给到死，immediate给到死。deferred只是晚一点开始付，也可以是life annuity给到死啊？
由此A答案并不能说服我，我觉得C更合适。
