关键区别 - 年金与人寿保险
年金和人寿保险都应被视为长期财务计划的一部分。年金和人寿保险之间的关键区别在于年金是一种退休计划的手段,个人将一笔一次性的钱搁置在退休中whereas人寿保险是提供经济公关了otection for dependents at the death of the individual。In certain types of annuity and life insurance, a beneficiary who takes either policy to gain the legal right to claim the funds is specified by the individual.
内容
1.Overview and Key Difference
2.什么是年金
3.什么是人寿保险
4.Side by Side Comparison – Annuity vs Life Insurance in Tabular Form
5.概括
什么是年金?
Annuity is an investment from which periodic withdrawals are made. To invest in an annuity, an investor should have a large sum of money to be invested at once and withdrawals will be made over a period of time. Annuities are tax-deferred financial products, meaning tax savings are allowed on withdrawals made. Annuities are mainly taken out as retirement plans to receive a guaranteed income on retirement. Below mentioned are some main types of annuity.
Fixed Annuity
Fixed annuityis a guaranteed income is earned on these type of annuities where the income is not affected by changes ininterest rates和市场波动;因此,这些是最安全的年金类型。以下是不同类型的固定年金。
立即年金
In immediate annuity, the investor receives payments soon after making the initial investment.
递延年金
Deferred annuity accumulates money for a pre-determined time period before starting to make payments.
Multi Year Guarantee Annuities (MYGAS)
This pays a fixed interest rate each year for a certain period of time.
可变年金
In可变年金,收入的金额有所不同,因为它们为投资者提供了通过投资来产生更高回报率的机会equity或者纽带subaccounts. Income will vary based on the performance of the subaccount values. This is ideal for investors who wish to benefit from higher returns, but at the same time, they should be prepared to endure the probable risks. Variable annuities have higher fees due to the associated risk.
由于各种年金的条款彼此不同,因此某些年金的付款在年金死亡时结束,而其他人则继续向指定的受益人付款。
什么是人寿保险?
人寿保险,也称为life assurance,是保险公司(出售保险的当事人)与被保险人有义务支付保险的保险人(保险人)之间的合同premiumin return for compensation by the insurer for a specific loss, illness (terminal or critical) or death of the insured. The contract terms will require the insured to pay the premium in periodic installments or as a lump sum.
在保险合同中,保险公司通常是保单所有者,即负责出售保险费的人;但是,这些也可以是两个人。一个人可以代表另一个人采取保险单。政策所有者去世时,指定的受益人将获得该政策的资金。指定的受益人是由政策所有者在取出保险时指定的。
例如。伊恩(Ian)和杰西卡(Jessica)是夫妻。如果伊恩(Ian)申请保险单并进行保险付款,那么他既是保单所有者又是被保险人。如果他为杰西卡(Jessica)的一生采取保险单,她就是被保险人,而伊恩(Ian)是保单所有者。保单所有者是担保人,他或她将是支付保险费的人。
保险费是由保险公司计算的,该保险公司考虑了足够的资金水平来支付索赔,支付行政费用并获利。保险费用由精算师(保险业务中使用的风险估计和评估专家)计算。精算师考虑计算保险成本的以下因素。
- Personal and family medical history
- Driving record
- 身高和重量矩阵,称为BMI
What is the difference between Annuity and Life Insurance?
Annuity vs Life Insurance |
|
Annuity is a means of retirement plan where an individual keeps aside a lump sum of money to be used in retirement. | Life insurance is a contract between an insurer and the insured where the insured is obliged to pay an insurance premium in return for compensation for specific loss, illness or death of the insured. |
目的 | |
The purpose of an annuity is to accumulate money in a tax-deferred product to use in retirement. | The purpose of life insurance is to provide income for dependents. |
初始投资 | |
An individual requires a significant initial investment to invest in an annuity. | Since insurance premiums can be made on a periodic basis, a significant initial investment is not required for life insurance. |
摘要 - 年金与人寿保险
The difference between annuity and life insurance primarily depends on the objective of the individual taking either policy. Investing in an annuity is usually done by a person closer to retirement in order to receive a guaranteed income during retirement. Taking out a life insurance policy mainly relates to being prepared for unforeseen and unfortunate circumstances such as critical illness and death where the policy owner wishes to provide financial protection for loved ones.
下载PDF版本的年金与人寿保险
You can download PDF version of this article and use it for offline purposes as per citation notes. Please download PDF version here年金和人寿保险之间的差异。
参考:
1.“年金和人寿保险之间的差异”。保险信息学院。N.P.,N.D。网络。Available here.2017年6月9日。
2.“年金的不同类型是什么?”CNNMONEY。有线新闻网络网络。Available here。2017年6月9日。
3. “What Is Life Insurance?” What is Life Insurance? – Life Insurance Basics – Fidelity. N.p., n.d. Web.Available here.2017年6月9日。
Image Courtesy:
1.“年金”尼克·扬森(Nick Youngson)(CC BY-SA 3.0)viaBlue Diamond Gallery
2. “Life Insurance” by Investment Zen(CC由2.0)viaFlickr
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