团体寿险与年金第 443 / 716 题
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
解析
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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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)