馮同學(xué)
2022-04-14 15:52joint life annuity 如果一個(gè)人去世了，那另一個(gè)人還是領(lǐng)兩個(gè)人一起的數(shù)額嗎？也就是一個(gè)人還領(lǐng)雙份嗎？多謝
所屬：CFA Level III > Private Wealth Management 視頻位置 相關(guān)試題
來源： 視頻位置 相關(guān)試題
1個(gè)回答
Chris Lan助教
2022-04-15 09:32
該回答已被題主采納
同學(xué)你好
這個(gè)不一定，要看合約的規(guī)定，可以是一個(gè)人過世了，剩下一個(gè)拿全額，也可以是只剩下一個(gè)人了，就拿的更少。原版書中有相關(guān)的表述。您可以看一下，最的一句。這段在原版書P415頁。
With a life annuity on two or more individuals, such as a husband and a wife, payments continue until both members are no longer living. For example, a married couple may purchase an immediate annuity that pays a monthly benefit as long as either one of them is alive. The contract states the benefit that the survivor will receive, which can be as much as 100% of the primary benefit or a smaller amount, such as 50% or 75% of the full benefit. The annuity payments cease when the survivor passes away.
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