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一只可爱的猪 · 2021年09月20日

想问一下这道题

* 问题详情,请 查看题干

NO.PZ201704060100000306

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.

ALDA和其他几种的区别,老师可以详细说一下吗

1 个答案

王暄_品职助教 · 2021年09月22日

ALDA是一种针对life expectancy比较长的人的年金,且付的premium较少。

举个例子,小明目前50碎,想买ALDA年金,这种年金将在他85岁的时候才开始每年付款。这就叫ALDA

因为ALDA是针对很远的将来的时间给的年金。所以挂的早的人就比较吃亏,而对自己的健康有信心的人可以买。

大写的LUCIA · 2022年08月21日

原版书上说,similar to immediate fixed annuity, an ALDA involves permanent exchange of a lump sum of for an insurance contract to pay an income. 所以ALDA和 immediate fixed annuity相似之处在? 李老师基础课上说ALDA既包括immediate fixed annuity, 也包括额外的fixed annuity,例如85岁开始的额外支付。但是原版书看不出来,感觉就是年纪很大的时候的额外支付,请老师分解!

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NO.PZ201704060100000306 Whitype of annuity best satisfies the Barksles’ sire for supplementincome in their later years? ferrefixeferrevariable Aancelife ferre C is correct. In contrast to immeate payout annuity, aancelife ferreannuity’s (AL’s) payments begin later in life—for example, when the inviturns 80 or 85. AL woulprovi the greatest supplementlevel income relative to the cost because the payments are ma fin the future, life expectanis shorter when the payments begin, ansome policyholrs will e without receiving payments.  will ensure the greatest supplemental, level income strerelative to the cost.  这一个信息点可以用来做区分么?是AL的特点么?还是其他年金也可以做到?

2021-09-27 09:47 1 · 回答

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2021-01-06 10:15 1 · 回答

题目中有句话The Barksles are willing to forgo the right to cash out the policy.这是什么意思?    

2018-12-11 16:51 1 · 回答

    想问下AL和ferreannuity什么区别呀?不都是现在付钱,将来某个时间开始收年金吗?

2017-12-17 12:42 1 · 回答