last-survivor annuity

简明释义

最后生存年金，最后遗族年金

英英释义

例句

1.The couple decided to purchase a last-survivor annuity to ensure that the surviving spouse would have a steady income for life.

这对夫妇决定购买一个最后幸存者年金，以确保幸存的配偶在生活中有稳定的收入。

2.A last-survivor annuity can be an excellent choice for couples who want to ensure lifelong income for each other.

对于希望确保彼此终身收入的夫妻来说，最后幸存者年金可能是一个很好的选择。

3.She felt relieved knowing that her husband would receive a last-survivor annuity after her death.

她感到宽慰，因为知道丈夫在她去世后会收到最后幸存者年金。

4.When planning their estate, they included a last-survivor annuity to support their loved ones.

在规划遗产时，他们包括了一项最后幸存者年金来支持他们的亲人。

5.Many retirees opt for a last-survivor annuity as it provides financial security for their partner after they pass away.

许多退休人员选择最后幸存者年金，因为它为他们去世后伴侣提供了财务保障。

作文

In the realm of financial planning, various instruments exist to ensure that individuals and families can secure their futures. One such instrument is the last-survivor annuity, which serves as a critical tool for couples or partners looking to provide for each other in their later years. Understanding how this type of annuity works can significantly enhance one's financial strategy, particularly in terms of long-term security and peace of mind.A last-survivor annuity is designed specifically for two individuals, typically spouses. It functions by providing regular income payments to the surviving partner after the first partner passes away. This arrangement ensures that the surviving individual continues to receive a steady stream of income, which can be crucial for maintaining their standard of living. The payments usually continue until the death of the second partner, hence the term 'last-survivor'.One of the primary benefits of a last-survivor annuity is its ability to offer financial stability during uncertain times. As people age, their financial needs change, and having a guaranteed income can alleviate concerns about outliving one's savings. This type of annuity can be particularly appealing for couples who have shared financial responsibilities and want to ensure that one partner is taken care of after the other is gone.Moreover, the structure of a last-survivor annuity can vary, allowing couples to choose options that best fit their financial situation. For example, they might opt for a joint and survivor annuity, where the payments are based on the combined life expectancy of both individuals. Alternatively, they may choose a fixed period option, which guarantees payments for a certain number of years, regardless of when the second partner passes away. This flexibility makes it a versatile choice in estate planning.However, it is important to consider the potential drawbacks of a last-survivor annuity. One significant aspect is the cost; these annuities can be more expensive than single-life annuities due to the extended payment period. Additionally, if the couple does not live long enough to recoup their investment, they may feel that they have not received sufficient value from the annuity.In conclusion, the last-survivor annuity represents a valuable financial product for couples seeking to secure their financial future together. By providing a reliable income stream for the surviving partner, it addresses the emotional and practical concerns associated with aging and loss. As with any financial decision, it is essential for individuals to conduct thorough research and consult with financial advisors to determine whether a last-survivor annuity aligns with their long-term goals and needs. Ultimately, understanding this financial instrument can empower couples to make informed choices that protect their financial well-being in the years to come.

在财务规划领域，存在多种工具，以确保个人和家庭能够保障他们的未来。其中一个工具是最后幸存者年金，它作为一项关键工具，帮助希望在晚年相互提供保障的夫妻或伴侣。理解这种年金的运作方式可以显著增强个人的财务策略，特别是在长期安全和内心平静方面。最后幸存者年金专门为两个个体设计，通常是夫妻。它的功能是，在第一个伴侣去世后，向幸存伴侣提供定期收入支付。这种安排确保幸存者继续获得稳定的收入流，这对于维持他们的生活水平至关重要。支付通常会持续到第二个伴侣去世，因此被称为“最后幸存者”。最后幸存者年金的主要好处之一是它能够在不确定时期提供财务稳定。随着人们年龄的增长，他们的财务需求发生变化，拥有保证的收入可以缓解对过度支出的担忧。这种类型的年金对于有共同财务责任的夫妻尤其具有吸引力，因为他们希望确保在另一方去世后能够得到照顾。此外，最后幸存者年金的结构可以有所不同，允许夫妻选择最符合其财务状况的选项。例如，他们可能选择联合生存年金，其中支付基于两个人的合并预期寿命。或者，他们可能选择固定期限选项，保证在一定年限内支付，无论第二个伴侣何时去世。这种灵活性使其成为遗产规划中的一种多功能选择。然而，考虑最后幸存者年金的潜在缺点也很重要。一个显著的方面是成本；由于延长的支付期，这些年金可能比单人生年金更昂贵。此外，如果夫妻没有活得足够长以收回投资，他们可能会觉得没有从年金中获得足够的价值。总之，最后幸存者年金代表了一种有价值的金融产品，适合希望共同保障财务未来的夫妻。通过为幸存伴侣提供可靠的收入流，它解决了与衰老和失去相关的情感和实际问题。与任何财务决策一样，个人进行彻底的研究并咨询财务顾问，以确定最后幸存者年金是否符合他们的长期目标和需求，这是至关重要的。最终，理解这一金融工具可以使夫妻能够做出明智的选择，以保护他们未来几年的财务健康。