annuity
annuity — 名詞
1. a fixed sum of money that someone receives every year, often after they retire a
年金
每年定期領取的固定金額
a fixed sum of money that someone receives every year, often after they retire and usually continuing until they die.
After he retired, Mr. Lin began drawing a small annuity of NT$300,000 every January.
退休後，林先生開始每年一月領取一筆三十萬元的小額年金。
draw an annuity of [amount]
The widow lived quietly on a modest annuity left by her late husband.
那位寡婦靠著已故丈夫留下的微薄年金安靜度日。
live on an annuity
Hadiya's grandfather receives an annuity from the army for the rest of his life.
Hadiya 的祖父終身都會從軍方領到一筆年金。
The trust pays each grandchild a yearly annuity until the age of thirty.
信託基金每年都會付給每個孫子一筆年金，直到他們三十歲。
Mrs. Wilson's annuity arrives in equal payments every three months, helping her plan the household budget.
Wilson 太太的年金每三個月分期等額入帳，幫助她安排家庭預算。
文法句型
receive an annuity of [amount]
draw an annuity from [source]
用法筆記
Subject of 'pay' is usually an institution (a trust, employer, insurer); subject of 'receive' or 'draw' is the individual beneficiary. Often modified by an amount or by 'yearly / annual'.
常見錯誤
2. a contract sold by an insurance company, in which a person pays a lump sum or re
年金保險
提供定期給付的保險契約
a contract sold by an insurance company, in which a person pays a lump sum or regular premiums and then receives steady payments over a chosen period — for example, a retiree paying NT$5 million now to get a fixed monthly income for life.
At fifty-five, Mrs. Chen bought a fixed annuity to guarantee a steady income after retirement.
陳太太在五十五歲時買了一份固定型年金保險，以確保退休後有穩定收入。
buy a fixed annuity
The bank's adviser explained how a deferred annuity could grow tax-free for twenty years.
銀行理財顧問說明了遞延型年金商品如何在二十年內免稅累積。
deferred / variable / fixed annuity
Rashida compared two annuities before choosing one with a higher monthly payout.
Rashida 比較了兩份年金商品，最後選了月給付較高的那一份。
Many Taiwanese workers buy an annuity from a private insurer to top up their state pension.
許多台灣上班族會向民營保險公司購買年金保險，補足國民年金。
If you cancel the annuity in the first year, the insurance company will charge a heavy fee.
如果在第一年解約這份年金保險，保險公司會收取一筆高額費用。
- pension plan
a retirement product; an annuity is one common form of pension plan
- retirement plan
broader umbrella term covering annuities, 401(k)-style accounts, and others
- insurance contract
the wider category an annuity belongs to; not all insurance contracts pay regular income
- lump sum
a single one-time payment, the opposite of the steady stream an annuity provides
文法句型
buy / purchase an annuity
an annuity from [provider]
用法筆記
Distinguish from sense 1: this sense names the financial product (the contract) itself, while sense 1 names the yearly payment that comes out of it. Often combined with descriptors such as 'fixed', 'variable', 'deferred', or 'immediate'.