annuity insurance的意思|示意

Annuity insurance is a type of life insurance contract in which the insurer agrees to make periodic payments, either for a fixed period of time or for the remainder of the policy holder's life. Annuity insurance is often used as a way for individuals to save for retirement, as it allows them to put aside a portion of their income and receive a regular, tax-deferred income when they retire.

Annuity insurance comes in two types: fixed and variable. With a fixed annuity, the insurance company guarantees a fixed rate of return on the account, based on the current yield rate of the investments that make up the annuity. The rate of return can vary depending on the company, so it is important to shop around and compare rates and terms.

A variable annuity does not guarantee a set rate of return, but instead offers potential for a higher rate of return than a fixed annuity. With a variable annuity, the account holder chooses a portfolio of investments within the annuity, such as stocks, bonds, and mutual funds. The return on the annuity will vary depending on the performance of the investments in the portfolio.

In addition to the regular payments provided by the annuity, many policies also offer a death benefit. If the policyholder dies before the end of the annuity, the beneficiary will typically receive a lump sum payment that is equal to the amount invested in the annuity.

Annuity insurance can be an attractive option for those who are looking to save for retirement but want to maintain some level of flexibility. It offers a tax-deferred income stream, protection from market volatility, and the potential for a higher rate of return than a traditional savings plan. Before investing in an annuity, however, it is important to carefully consider the various types of annuities available and their associated risks.