Vida Grupal y AnualidadesPregunta 443 de 716
An immediate annuity (SPIA) is funded with:
a.A single lump-sum premium, with income beginning within about one payment period
b.Employer pension contributions only
c.Flexible monthly premiums paid in over many years during a lengthy accumulation period
d.Money borrowed from the insurer
Explicación
A single-premium immediate annuity is purchased with one lump sum, and income payments begin within roughly one payment interval (for example, within a month for monthly income). It cannot be funded with ongoing flexible premiums, is not restricted to employer contributions, and is not funded by borrowing. Retirees often use a SPIA to turn a lump sum, such as a rollover, into an immediate guaranteed income stream.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)