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玛卡巴卡 · 2021年09月27日

ALDA

* 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.

 will ensure the greatest supplemental, level income stream relative to the cost. 

这一个信息点可以用来做区分么?是ALDA的特点么?还是其他年金也可以做到?

1 个答案

王暄_品职助教 · 2021年09月27日

是ALDA专有的特点。

Advanced life deferred (ALDA’s)的年金支付开始于人生较晚阶段,例如,当个人年满80岁或85岁时,保险公司将会给他们支付年金。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。所以ALDA的成本也较低,那么对于那些对自己的寿命有信心的人,可以购买ALDA



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