什么是终身年金?
A life annuity may help provide you with a paycheck for the rest of your life.
我会比我的退休金更长寿吗?
这是我们很多人都会问自己的问题. 毕竟, it's not easy to know how our retirement investments will continue to perform, how long we'll live or how much we'll actually be spending each month when we're done working. Worry can set in, when you'd rather be excited about what life after work could bring.
帕特里克·布莱文斯在州立农场工作® agent in Waynesboro, Virginia, helps people ease that worry when he explains 年金怎么样? (which some people refer to as a life annuity) can benefit them in retirement.
Keep in mind, the following information pertains to fixed annuities only. Variable annuities work differently and have an investment risk component.
一辈子的薪水
Blevins explains, "A major concern people have about retirement is running out of money. An annuity from 状态 Farm could ensure that you will never outlive your money in retirement.
"One way to have an income you might not outlive is with an immediate annuity. It's purchased with one lump sum, and you start receiving payments pretty much right away. Some companies also offer deferred annuities, w在这里 you purchase your annuity with a lump sum but choose a time in the future to start receiving payments."
如果我死得太早怎么办?
This is a common concern Blevins hears a lot. "A big misconception is that if I give 状态 Farm, 说, $100,000, and I pass away after a couple of payments, 州立农场保管着我的钱. That's not the case with most payout options.
"People who own annuities have a number of choices for their payout period, and probably the most common is the cash refund option. 有了这个选项, your beneficiary will receive a lump sum payment based on whatever portion of the initial amount that wasn't paid out to you, 它保证了本金的返还. 另一方面, if you're still living once your initial investment has been paid out to you, you'll still continue to receive the same monthly payment for however long you live."
这和我的退休计划有什么关系?
An annuity can play an important role in a complete financial plan, especially for people who have accumulated monies and are retiring or already retired. 正如布莱文斯所说, "Once customers understand how they can be a puzzle piece to their overall plan, 他们真的很开心.“想要了解更多? 你自己的 当地州立农场代理 是来帮忙的.
