Bảo hiểm nhân thọ nhóm & Niên kimCâu 443 / 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
Giải thích
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.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- A 'joint and survivor' annuity continues payments:
- Which annuity payout option provides the largest periodic income for a given amount of money?
- A surrender charge in a deferred annuity is:
- A key advantage of an annuity's accumulation phase is that the earnings:
- When recommending an annuity, a producer must assess suitability, which includes considering the client's:
- An 'annuity certain' (period certain only) option pays income:
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)