purchased life annuity

简明释义

已购人寿保险年金

英英释义

例句

1.Many people choose a purchased life annuity to convert their lump sum retirement savings into a reliable income stream.

许多人选择购买的终身年金将一次性退休储蓄转化为可靠的收入来源。

2.The insurance company offers various options for a purchased life annuity, including fixed and variable payments.

保险公司提供多种购买的终身年金选项，包括固定和可变支付。

3.After retiring, John decided to invest in a purchased life annuity to ensure a steady income for the rest of his life.

退休后，约翰决定投资于购买的终身年金以确保他余生有稳定的收入。

4.When planning for retirement, consider how a purchased life annuity fits into your overall financial strategy.

在规划退休时，考虑一下购买的终身年金如何融入你的整体财务策略。

5.A purchased life annuity can be a great option for those looking for financial security in their old age.

对于那些希望在老年获得财务安全的人来说，购买的终身年金可能是一个很好的选择。

作文

A purchased life annuity is a financial product that provides a steady stream of income for the rest of an individual's life in exchange for a lump sum payment. This type of annuity can be a valuable tool for retirement planning, as it offers a guaranteed income that can help cover living expenses. Understanding how a purchased life annuity works is essential for anyone considering this option as part of their financial strategy.When someone decides to buy a purchased life annuity, they typically make a one-time payment to an insurance company or financial institution. In return, the company agrees to pay the individual a fixed amount of money at regular intervals, usually monthly, for the remainder of their life. This arrangement can provide peace of mind, especially for retirees who may be concerned about outliving their savings.One of the significant advantages of a purchased life annuity is the elimination of longevity risk. Longevity risk refers to the possibility of living longer than expected and running out of money. With a purchased life annuity, individuals do not have to worry about this risk, as the payments will continue for as long as they live. This feature can be particularly appealing in today’s world, where advances in healthcare are allowing people to live longer lives.In addition to providing a reliable income stream, a purchased life annuity can also offer tax benefits. The income received from an annuity is often taxed at a lower rate than regular income, which can be advantageous for retirees who are looking to minimize their tax burden. However, it is essential to understand the tax implications fully, as different types of annuities can have varying tax treatments.There are several types of purchased life annuities, including immediate and deferred annuities. An immediate annuity begins payments right away, making it suitable for those who need income soon after retirement. On the other hand, a deferred annuity allows individuals to invest their lump sum payment for a period before receiving payouts, which can lead to larger payments later on. Choosing the right type of annuity depends on an individual's financial situation and goals.Another consideration when purchasing a purchased life annuity is the potential for inflation to erode purchasing power over time. Many annuities offer options to include inflation protection, which adjusts payments based on inflation rates. This feature can help ensure that the income remains sufficient to cover living expenses in the future, but it may come with higher initial costs.In conclusion, a purchased life annuity can be a beneficial financial tool for those looking to secure a stable income during retirement. It provides the assurance of lifelong payments, reduces the risk of outliving one’s savings, and can offer tax advantages. However, it is crucial for individuals to carefully evaluate their options, consider their financial needs, and consult with a financial advisor to determine if a purchased life annuity is the right choice for their unique circumstances. By doing so, they can make informed decisions that will help them achieve financial security in their later years.

购买的终身年金是一种金融产品，提供终身的稳定收入流，以换取一次性付款。这种类型的年金可以成为退休规划中一个有价值的工具，因为它提供了保证的收入，可以帮助支付生活费用。理解购买的终身年金如何运作，对于任何考虑将其作为财务策略一部分的人来说都是至关重要的。当某人决定购买购买的终身年金时，他们通常会向保险公司或金融机构进行一次性付款。作为回报，该公司同意在个人的余生中按定期（通常是每月）支付固定金额。这种安排可以提供安心，特别是对于可能担心寿命超过储蓄的退休人员来说。购买的终身年金的一个显著优势是消除了长寿风险。长寿风险指的是活得比预期更长而耗尽资金的可能性。通过购买的终身年金，个人不必担心这种风险，因为支付将继续进行，直到他们去世。这一特性在如今的世界中尤为吸引人，因为医疗保健的进步使人们能够活得更长。除了提供可靠的收入流之外，购买的终身年金还可以提供税收优惠。年金所收取的收入通常以较低的税率征税，这对希望减少税负的退休人员来说是有利的。然而，充分理解税务影响是至关重要的，因为不同类型的年金可能具有不同的税收待遇。购买的终身年金有几种类型，包括即时年金和递延年金。即时年金立即开始支付，适合那些在退休后需要尽快获得收入的人。另一方面，递延年金允许个人在获得支付之前投资其一次性付款，这可能导致以后更大的支付。选择合适的年金类型取决于个人的财务状况和目标。购买购买的终身年金时另一个考虑因素是通货膨胀可能会随着时间的推移侵蚀购买力。许多年金提供包括通货膨胀保护的选项，根据通货膨胀率调整支付。这一特性可以帮助确保收入在未来仍然足够支付生活费用，但可能伴随更高的初始成本。总之，购买的终身年金可以成为那些希望在退休期间确保稳定收入的人的有益金融工具。它提供了终身支付的保障，减少了耗尽储蓄的风险，并且可以提供税收优势。然而，个人必须仔细评估他们的选择，考虑他们的财务需求，并咨询财务顾问，以确定购买的终身年金是否适合他们独特的情况。通过这样做，他们可以做出明智的决定，帮助他们在晚年实现财务安全。