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。
老师您好，根据题目以及我听到李老师的讲解，我对ALDA的理解是：
- immediate 付清保费，同时每年开始领取一笔年金 -> 这一点为immediate
- 如果活到了80-85岁，则追加领取另一笔年金，以cover additional expense -> 这一点为deferred
题目中也提到了additional security -
that will provide additional security and can supplement income in later years
我现在的问题是不太确定我的第1点理解是否有误？
非常感谢:)
