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shelly0205 · 2020年11月03日

问一道题:NO.PZ2018091705000089

问题如下:

Marion asks his investment manager for advice regarding his retired aunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history and healthy lifestyle. She needs a stable income stream to cover her current and future expenses. Marion is concerned about she will outlive her assets. Based on Marion’s concerns, which type of investment should investment manager recommend for her?

选项:

A.

The whole Life insurance

B.

Immediate fixed annuity

C.

Universal life insurance

解释:

B is correct.

考点: Annuity

解析Lily已经70岁了她担心长寿风险;并且需要一个可以稳定覆盖目前和未来支出的收入来源Immediate fixed annuity相当于今天用一笔钱换取只要她还活着就有的收入的承诺因此 Immediate fixed annuity是最合适的选择

想请问一下B选项没有life这个字眼,怎么确定可以给到死呢?谢谢

2 个答案
已采纳答案

王暄_品职助教 · 2020年11月10日

单拿annuity这个词来说,我们的目的就是买了之后,退休一直给我钱,给到死,多数年金就是这样的

当然也有不死的,比如约定给多少年的,这个就要看具体怎么说了。但如果没有别的描述,我们就认为annuity给到死。

王暄_品职助教 · 2020年11月03日

嗨,从没放弃的小努力你好:


annuity本身就是给到死的。


-------------------------------
就算太阳没有迎着我们而来,我们正在朝着它而去,加油!


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