年金 - 退休保障
Secure guaranteed lifetime income and grow your retirement savings with tax-deferred annuities. Never outlive your money with our trusted annuity solutions.
通过税收递延年金确保终身保证收入并增长退休储蓄。使用我们值得信赖的年金解决方案,让您的钱永不耗尽。
为什么选择年金?
保证收入
Receive guaranteed lifetime income that you can't outlive, providing financial security in retirement.
获得终身保证收入,永不耗尽,为退休生活提供财务安全。
税收递延增长
Your money grows tax-deferred until withdrawal, allowing your savings to compound faster.
资金在提取前享受税收递延增长,让储蓄复利增长更快。
本金保护
Fixed and index annuities protect your principal from market losses while offering growth potential.
固定和指数年金保护本金免受市场损失,同时提供增长潜力。
灵活支付选项
Choose when and how you receive income - immediate or deferred, lump sum or periodic payments.
选择何时以及如何获得收入 - 即时或递延,一次性或定期支付。
无缴款限制
Unlike 401(k) or IRA, annuities have no annual contribution limits for tax-deferred growth.
与401(k)或IRA不同,年金的税收递延增长无年度缴款限制。
有竞争力的回报
Index annuities offer potential for higher returns linked to market performance with downside protection.
指数年金提供与市场表现挂钩的更高回报潜力,并有下行保护。
年金类型
固定年金
Guaranteed interest rate for a specific period, providing predictable and stable growth.
特定期间的保证利率,提供可预测和稳定的增长。
BEST FOR | 最适合
Conservative investors seeking safety and guaranteed returns
寻求安全和保证回报的保守投资者
KEY FEATURES | 主要特点
Fixed interest rate (typically 3-5%)
固定利率(通常为3-5%)
No market risk
无市场风险
Guaranteed principal protection
保证本金保护
Predictable income stream
可预测的收入流
指数年金
Growth potential linked to market index performance with principal protection and guaranteed floor.
与市场指数表现挂钩的增长潜力,有本金保护和保证底线。
BEST FOR | 最适合
Moderate investors wanting growth potential with downside protection
希望获得增长潜力并有下行保护的温和投资者
KEY FEATURES | 主要特点
Linked to S&P 500 or other indices
与标普500或其他指数挂钩
0% floor protection
0%底线保护
Caps on gains (typically 6-10%)
收益上限(通常为6-10%)
No direct market investment
非直接市场投资
可变年金
Investment options with market exposure, offering highest growth potential but with market risk.
有市场风险的投资选项,提供最高增长潜力但承担市场风险。
BEST FOR | 最适合
Aggressive investors comfortable with market volatility for higher returns
能够承受市场波动以获得更高回报的激进投资者
KEY FEATURES | 主要特点
Multiple investment options
多种投资选项
Unlimited growth potential
无限增长潜力
Subject to market risk
承受市场风险
Optional living benefit riders
可选生前福利附加险
我们的可信赖合作伙伴
Competitive fixed rates for guaranteed growth
有竞争力的固定利率保证增长
Multiple index strategies for growth potential
多种指数策略提供增长潜力
Strong financial ratings and stability
强大的财务评级和稳定性
Flexible income payout options
灵活的收入支付选项
Comprehensive annuity product suite
全面的年金产品套件
Registered Index-Linked Annuities (RILA) for balanced risk/reward
注册指数挂钩年金(RILA)平衡风险/回报
Strong backing from AIG financial strength
AIG财务实力的强大支持
Advanced income planning solutions
先进的收入规划解决方案
真实成功案例
退休前人士确保保证收入
Client Profile
Age 58, $300,000 in savings, retiring in 2 years
58岁,储蓄30万美元,2年后退休
Solution
Fixed Index Annuity with $200,000 premium, 10-year deferral period
固定指数年金,20万美元保费,10年递延期
Guaranteed lifetime income starting at age 68
从68岁开始的终身保证收入
Potential for 5-7% annual growth during deferral
递延期间可能5-7%年增长
Principal protected from market downturns
本金免受市场下跌影响
Income rider providing 6% guaranteed income base growth
收入附加险提供6%保证收入基础增长
OUTCOME | 结果
Projected $18,000-$22,000 annual lifetime income starting at age 68
预计从68岁开始每年18,000-22,000美元的终身收入
退休人士最大化安全增长
Client Profile
Age 65, $500,000 retirement savings, concerned about market volatility
65岁,退休储蓄50万美元,担心市场波动
Solution
Split strategy: $250,000 in Fixed Annuity + $250,000 in Index Annuity
分割策略:25万美元固定年金 + 25万美元指数年金
Fixed annuity provides stable 4.5% guaranteed growth
固定年金提供稳定的4.5%保证增长
Index annuity offers 6-8% potential growth with 0% floor
指数年金提供6-8%潜在增长和0%底线
Diversified approach balances safety and growth
多元化方法平衡安全和增长
Immediate income option available if needed
如需可选择即时收入
OUTCOME | 结果
Combined 5-6% average annual growth with full principal protection
综合平均年增长5-6%,完全本金保护
常见问题
我应该什么时候开始年金?
The ideal time depends on your goals. For retirement income, consider starting 5-10 years before retirement to maximize growth during the deferral period. If you're already retired and need immediate income, an immediate annuity can start payments within a year. The key is to plan early to take advantage of tax-deferred growth.
理想时机取决于您的目标。对于退休收入,考虑在退休前5-10年开始,以在递延期间最大化增长。如果您已经退休并需要即时收入, 即时年金可以在一年内开始支付。关键是提前规划以利用税收递延增长。
退休前可以使用我的钱吗?
Yes, but with limitations. Most annuities allow penalty-free withdrawals of 10% annually after the first year. Larger withdrawals may incur surrender charges (typically declining over 5-10 years) and IRS penalties if under age 59½. Some annuities offer liquidity riders for emergencies like nursing home care or terminal illness.
可以,但有限制。大多数年金在第一年后允许每年10%的免罚金提取。较大的提取可能会产生退保费用(通常在5-10年内递减) 以及59½岁以下的IRS罚款。一些年金为护理院或绝症等紧急情况提供流动性附加险。
我去世后年金会怎样?
It depends on your contract. During the accumulation phase, your beneficiaries typically receive the account value. Once income payments begin, options include: (1) Life Only - payments stop at death, (2) Period Certain - payments continue for a guaranteed period, or (3) Joint Life - payments continue to a surviving spouse. You can also add death benefit riders to protect your beneficiaries.
这取决于您的合同。在积累阶段,您的受益人通常会收到账户价值。一旦收入支付开始,选项包括:(1)仅限终身 - 去世时停止支付, (2)确定期限 - 在保证期限内继续支付,或(3)联合终身 - 继续向尚存配偶支付。您还可以添加身故赔偿附加险来保护受益人。
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* Estimates are for illustration purposes only. Actual premiums may vary.