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Summer · 2021年11月12日

IPS

NO.PZ2018091705000076

问题如下:

Followings are several observations about annuities, how many of them are correct?

I. With immediate fixed annuities, an individual trades a sum of money today for a promised income benefit for as long as he or she is alive.

II. The income yield for a life-only immediate annuity is lower for an older people than for a younger people.

III. Both deferred and immediate annuities provide the same flexibility concerning access to income benefit.

选项:

A.

I only

B.

I&II

C.

All of them are correct

解释:

A is correct.

考点Annuities

解析I. 第一个observation的说法是正确的

II. 对于life-only immediate annuity来说预期寿命越短年金income yield越高因此相比年轻人老年人的收益会更高

III. 延期年金是指保险合同成立生效后且被保险人到达一定年龄或经过一定时期后保险人在被保险人仍然生存的条件下开始给付年金的年金保险, 而即期年金是指在投保人缴纳所有保费且保险合同成立生效后保险人立即按期给付保险年金的年金保险

这个2的income yield怎么理解,是return吗 还是什么?再详细解释下
1 个答案
已采纳答案

王暄_品职助教 · 2021年11月13日

Income yield就是每期保险公司给的PMT除以最初的保。

通常买年金的岁数越晚,income yield越高。

比如A同学50岁,买了价值100,000的年金,每年收到的PMT;与B同学在80岁,同样买了价值100,000的年金每年收到的PMT一定不同。且B同学的PMT一定高,所以Income yield高。

 

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