好英语网【中文版】
年金是一种定期向受领人支付款项的合同，通常由一个人或组织为了提供退休后的养老金或其他形式的终身收入而购买。年金合同通常会规定支付的金额、期限和条件，以及受领人的权利和义务。
年金可以分为多种类型，包括但不限于以下几种：
纯年金：纯年金是最简单的年金类型，它只提供定期的年金支付，没有任何额外的投资选择或增值机会。
终身年金：终身年金是一种长期支付的年金，通常会支付终身，只有在受领人死亡后才会停止支付。
定期年金：定期年金是一种在特定期间内支付的年金，通常是在受领人退休后的一段时间内。
联合年金：联合年金是一种多个受领人共享一份年金的合同，其中任何一个受领人死亡后，年金会停止支付。
混合年金：混合年金是一种结合了多种年金类型的合同，它通常会提供定期的年金支付和额外的投资选择或增值机会。
总的来说，年金是一种为了提供退休后的养老金或其他形式的终身收入而购买的合同。不同类型的年金可以满足不同的需求和风险偏好。在选择年金产品时，需要根据自己的实际情况和需求进行评估和选择。
【英文版】
Annuity is a contract that pays a periodic payment to the annuitant, usually purchased by an individual or organization to provide a pension after retirement or other forms of lifetime income. Annuity contracts typically specify the amount, duration, and conditions of the payments, as well as the rights and obligations of the annuitant.
There are many types of annuities, including but not limited to the following:
Pure Annuity: The pure annuity is the simplest type of annuity that only provides periodic annuity payments without any additional investment choices or opportunities for appreciation.
Lifetime Annuity: A lifetime annuity is a long-term payment annuity that typically pays for the life of the annuitant and only stops when the annuitant dies.
Periodic Annuity: A periodic annuity is an annuity that is paid for a specific period of time, usually a period after retirement.
Joint Annuity: A joint annuity is an annuity contract that multiple annuitants share, and the annuity stops when any one of the annuitants dies.
Mixed Annuity: A mixed annuity is a contract that combines multiple types of annuities, typically providing periodic annuity payments with additional investment choices or opportunities for appreciation.
Overall, an annuity is a contract purchased to provide a pension after retirement or other forms of lifetime income. Different types of annuities can meet different needs and risk preferences. When choosing an annuity product, it is necessary to evaluate and choose based on one's actual situation and needs.
