Life Annuity 终身年金

amywhite

If I don’t have a DB pension but wish I did, why would I not consider an annuity for some of my retirement savings?” Don't worry about the basics in your solid gold(en) years-Life annuity can provide you gurarnteed payments for life.

你知道吗，在加拿大只有少数人如政府雇员或教授等拥有如黄金般的养老金计划DB- defined benefit pension plan。这种养老金你可以终身领取，永远无需担心钱花光了。如果你希望自己的退休储蓄计划中有部分能够实现和DB一样的目标，可以每月定期领取固定的预知收入，直至去世。方法只有一个，就是终身年金-Life Annuity. 如果你的父母或祖父母都高寿，更应该考虑在投资股票和房产以外，适当加入终身年金。谨记：千万不要把所有的钱都买年金。

Wish you had a defined benefit pension plan?

Life annuities are like a DB pension plan in that they pay a preset monthly retirement income for as long as you live. Here are examples of the payments a male might expect at various ages from buying a $100,000 life annuity. This annuity has a 10-year guarantee period, which means payments are guaranteed to continue for 10 years after you buy it for you or your beneficiary. Without  aguarantee period, an annuity stops making payments when you die. This quote is for a non-registered annuity; registered annuities (you buy them with money from registered retirement plans) would have very similar payouts.

	Monthly Payments ($)
Seller	Age 60	Age 65	Age 70
BMO  Insurance	452.94	514.13	592.78
Canada  Life	421.99	476.05	546.71
Desjardins  Financial Security	434.55	494.48	567.38
Empire  Life	445.69	494.70	533.93
Equitable  Life	428.99	476.09	525.29
Great-West  Life	421.99	476.05	546.71
London  Life	421.99	476.05	546.71
Manulife  Investments	411.88	451.70	511.68
Standard  Life	421.82	475.80	542.57
Sun Life  Assurance Co.	433.58	507.59	583.48

Source:Cannex