為什麼保險公司賣年金？
為什麼保險公司賣年金？
 All financial product manufacturers develop and distribute product to make a profit. Insurance companies manufacture product to accomplish the same. An annuity is a mortality product, comprised of the difference of their gross returns and what they credit to the annuity, i.e. the spread. They also make money on the mortality expense they assign to the annuitant based on the annuitants gender, age and life expectancy, which can with some carriers be underwritten.
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