| 单词 | annuity |
| 释义 | annuity (ənjuːɪti , US ənuːɪti ) Word forms: annuities countable noun An annuity is an investment or insurance policy that pays someone a fixed sum of money each year. [business] Collocations: annuity company Annuities are widely resented because any funds that have not been paid out as income before you die will stay with the annuity company. Times, Sunday Times Any of your hard-earned assets that had not been paid out as income on your death would pass to the annuity company, rather than your family. Times, Sunday Times To secure the quoted rate you need to send your paperwork and transfer your pension pot to the desired annuity company in time to meet the deadline. Times, Sunday Times Those in lower tax brackets may be told to avoid deferred pensions because they may not be able to recoup the charges made by the annuity company. Retrieved from Wikipedia CC BY-SA 3.0 The two non-standard annuity companies now expect their combination to be completed in the first quarter of next year. Times, Sunday Times By law, an annuity contract can only be issued by an insurance company. Retrieved from Wikipedia CC BY-SA 3.0 Before annuitisation, the deferred annuity contract may allow additional purchase premium payments to be added, increasing the contract's value. Retrieved from Wikipedia CC BY-SA 3.0 They were sold mainly in the 1970s and 1980s, usually alongside retirement annuity contracts. Times, Sunday Times Sales of these plans are outstripping those of annuity contracts, which are how savers have traditionally converted pension pots into income. Times, Sunday Times The cell may issue insurance or annuity contracts, reinsure such contracts, or facilitate the securitization of obligations of a sponsoring insurance company. Retrieved from Wikipedia CC BY-SA 3.0 Don't allow your savings to roll into the default annuity option offered by your pension provider as you will get a better deal elsewhere. Times, Sunday Times If you go for the annuity option, remember that rates are relatively low at the moment because of long-term low interest rates and gilt yields, as well as increasing longevity. Times, Sunday Times Moreover, many less financially sophisticated people with smaller pension pots prefer the annuity option because they feel overwhelmed at the prospect of managing their fund to produce an income. Times, Sunday Times He says that people with private pensions should discuss their annuity options with an independent financial adviser, comparing products from a number of providers. Times, Sunday Times We also look at your annuity options. Times, Sunday Times He has heart disease and a lower life expectancy, which means he qualified for a higher annuity payout on one of his smaller pension pots. The Sun I doubt that the freedoms would even have happened if low rates had not made annuity payouts seem so poor. Times,Sunday Times But make sure you get the best rate, as annuity payouts have plunged to a record low. Times, Sunday Times Annuity payouts can rise by 40% or more for those with health conditions that shorten life expectancy. Times, Sunday Times An annuity pays a guaranteed income for life in exchange for your pension pot. Times, Sunday Times A standard annuity pays 2,881 - lower because of the longer life expectancy. Times, Sunday Times How much your annuity pays depends on a number of factors, so make sure that you have assessed your situation before making a choice. Times, Sunday Times Fixed annuities pursuant to state insurance law must provide a minimum rate of interest as provided in the annuity policy. Retrieved from Wikipedia CC BY-SA 3.0 And a widow's risk rises two-fold during the same period, the analysis of 11,454 life annuity policies has found. The Sun He refused to rule out further writedowns against hedges on guaranteed annuity policies that have gone wrong. Times, Sunday Times Last week it announced an 89.7% rise in annuity policies for the past three months. Times, Sunday Times The payments concern annuity policies sold between 2008 and 2015. Times, Sunday Times It concludes that some form of annuity product may well be desirable for most retirees after all. Times, Sunday Times A one-year annuity product that tides people over until the new rules come into force has already been launched. Times, Sunday Times The exact terms of an annuity product are set out in the contract. Retrieved from Wikipedia CC BY-SA 3.0 Small business lending, mortgage-loan origination and continuing growth in fee-based annuity products helped the unit achieve a 20.2-per-cent pretax profit margin. Globe and Mail Its core business continues to be retirement plan administration and annuity products. Retrieved from Wikipedia CC BY-SA 3.0 The restrictions on pensions, including the requirement to buy an annuity, play into the hands of providers. Times, Sunday Times (2012) Most people with a money-purchase plan buy an annuity to provide income at retirement. Times, Sunday Times (2014) Alternatively, a spouse or dependants can use the fund to buy an annuity or remain in drawdown. Times, Sunday Times (2008) This allows them to receive tax relief on the contribution and use the lump sum to buy an annuity. Times, Sunday Times (2007) Topping it all was the alert that older savers are being stripped of thousands of pounds by middlemen when they buy an annuity at retirement. Times, Sunday Times (2013) After five years he can decide whether to buy another fixed-term annuity, lock himself into a lifetime annuity or, if investment conditions are attractive, go into drawdown. Times, Sunday Times He sought expert help and was advised that rather than risking going into drawdown or buying a standard lifetime annuity he should consider a fixed-term annuity. Times, Sunday Times Winners of either lifetime annuity prize can choose cash in lieu of the periodic payments. Retrieved from Wikipedia CC BY-SA 3.0 Unlike in the previous versions, first-prize winners can choose cash in lieu of the lifetime annuity; second prize winners also are offered a cash option. Retrieved from Wikipedia CC BY-SA 3.0 He was named president emeritus and given a lifetime annuity of $15,000 a year. Retrieved from Wikipedia CC BY-SA 3.0 Rather, these are so-called infrastructure funds that wish to own cash-producing assets for decades, often in order to match liabilities such as pension annuity promises. Times, Sunday Times Retired people on low incomes with pension annuities or savings income are also likely to lose out. Times, Sunday Times The fall in gilt yields will come as a blow to those approaching retirement, as it will affect the interest paid on pension annuities. Times, Sunday Times Without government borrowing there would be no pension annuities, for example, and no benchmark with which to rate all other financial assets. Times, Sunday Times Unlike traditional pension annuities, these pay far higher yields - in the region of 15%-30%, compared with 6%-7%. Times, Sunday Times Most schemes require you to invest your pension and use the resulting fund to purchase an annuity or provide income. Times, Sunday Times The obligation to purchase an annuity has ended, of course, but not everyone fully understands the implications of the pension freedoms. Times, Sunday Times Once you've made your choice on the lump sum, you can choose to purchase an annuity, which pays out a fixed amount of money each year. Times, Sunday Times The new rules allow individuals to delay the decision to purchase an annuity indefinitely. Retrieved from Wikipedia CC BY-SA 3.0 If you have purchased an annuity, only the income will be taken into account. Times, Sunday Times He wants to secure the loan against the cash he expects from the retirement annuity when it matures. ST They were sold mainly in the 1970s and 1980s, usually alongside retirement annuity contracts. Times, Sunday Times By law, the starting amount of a member's retirement annuity may not exceed 80% of his or her final salary. Retrieved from Wikipedia CC BY-SA 3.0 The starting amount of a senator's retirement annuity may not exceed 80% of their final salary. Retrieved from Wikipedia CC BY-SA 3.0 The law governing retirement funds therefore seeks to protect the proceeds of retirement annuities from being attached by creditors. ST Currently, if someone tries to sell their annuity they are hit with a tax charge of 55% (70%in some cases). Times, Sunday Times You only have the right to sell an annuity — not an income from a final salary pension scheme or any other scheme provided by a former employer. Times, Sunday Times They could sell their annuities and then use the money to take part in the new freedoms. Times, Sunday Times Experts said one option was to make it compulsory for consumers considering selling annuities to seek independent financial advice. Times, Sunday Times The government should also force online brokers, which sell annuities without advice, to be clear about how much commission they are receiving on each sale. Times, Sunday Times |
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