团体寿险与年金第 332 / 716 题
How does an immediate annuity differ from a deferred annuity?
a.An immediate annuity guarantees a higher interest rate than any deferred annuity because the insurer holds the funds for a much shorter accumulation period
b.An immediate annuity has no annuitant, so the payments simply continue to the owner's estate as long as the contract stays in force
c.An immediate annuity can only be funded with level monthly premiums paid throughout an accumulation period of at least ten years
d.An immediate annuity begins income payments within about one payment period of purchase, while a deferred annuity delays payments to a future date
解析
An immediate annuity (typically a single-premium immediate annuity, or SPIA) starts income payments within roughly one payment interval of purchase, so it is bought to generate income right away; a deferred annuity postpones the payout phase to a later date, allowing tax-deferred accumulation first. Immediate annuities are funded with a single lump sum, not level monthly premiums paid across a ten-year accumulation period. Every annuity has an annuitant (the measuring life), and no rule makes an immediate annuity credit a higher interest rate than a deferred one.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)