什麼是年金重疊？
什麼是年金重疊？
 Overlap refers to a type of joit life annuity with a guaranteed period. Joint life annuities, are as the name suggest annuities based on two lives. They can be structured to - Provide a level or increasing annuity payments for the lifetime of two annuitants -Provide and income that reduces on the first death and continues until death of the second. -Have a guaranteed period with the proceeds being paid to beneficiary if both annuitants die during the guaranteed period. With an Annuity with overlap, the initial payment continues until the end of the guaranteed period and the surviving annuitant also receives the reduced amount. For example $10,000 a year annuity income, 5 year guarantee, with payments reducing by 50% after first death. Death of one annuitant occurs in year 2. With an annuity with overlap the $10,000 would continue for 3 years (remaining guarantee period) and the 50% reduction of $5,000 per year would also be paid. If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.
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