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on November 28, 2023
In recent years, the news that the accumulated pension balance will be exhausted by 2035 has been reported in the media from time to time. If you do the math with your fingers, the oldest Post-80s will only be 55 years old in 2035, not to mention the Post-90s. "The question of how the post-80s and post-90s will retire has always touched the sensitive nerves of the public and become a hot topic in society.
The younger you are, the more you should consider a longer-term future. After all, a person's earning power usually declines with age. In particular, with an aging population on the horizon, one should start a pension plan as early as possible in order not to reduce their quality of life after retirement. A deferred annuity is a powerful firewall for casting a light on their retirement pension life.
What is a deferred annuity?
An annuity is a long-term insurance product designed to help the insured convert money into a steady cash income. After paying premiums to the insurance company, the insured can receive the annuity income from the insurance company in installments either immediately 人壽保險
or at a specified period or age until the end of the contract. Annuities are generally categorized into "immediate annuities" and "deferred annuities".
What is the use of 延期年金?
People may not get seriously ill in their lifetime, and there may be some accidents that will not affect us, but we will grow old, and it is inevitable. Younger self can easily be based on the enterprise past work experience to judge, thus can produce with two misunderstandings: overestimate the student's own continued to carry on the investment management ability, underestimate the potential pension service problems. With age, wealth sometimes does not grow as smoothly as one would like.
Deferred annuities play an important role in this period, providing good security for retirement when wealth and income retire. 年金計劃As a result, many people will choose to purchase the right deferred annuity for their situation at work so that they can retire with a stable and secure retirement annuity income and a future quality of life that is more than just a guarantee.
Choose the right deferred annuity for you.
Deferred annuities can provide "old age security" at the wealth level, so how should we choose our own deferred annuity? Different deferred annuity terms specify the amount and period of time for which the annuity can be refunded, as well as the amount and period of time for which it can be refunded.
Depending on your needs, choose a product that meets your reality, and the one that will give you the most money at the age you expect to be is the one that suits you best.
How to choose an annuity?
Payment period: The development of different deferred annuity insurance products will have many different payment periods, which should be considered in a comprehensive analysis based on the individual student's retirement planning. The annuity period begins immediately after the accumulation period ends.
Receiving Time: Starting a deferred annuity generally focuses on the age groups of 50, 55, 60 and 65.
Term of Insurance:The annuity period begins immediately after the accumulation period. The annuitant can receive monthly guaranteed annuity and monthly non-guaranteed annuity (if any) until the end of the annuity period. Annual annuity payments for up to 30 years are available for some extended annuity products.
Additional Protection: An extended annuity will also include certain travel medical and accident protection, terminal illness protection. In the event of the death of the annuitant, some deferred annuity products may continue to receive the remaining outstanding monthly payments after the death of a loved one, family member or annuitant (e.g., during the annuity period) until the end of the annuity period.
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