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2025-03-13 23:54 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 uncertain future improvementsBoth charts show expected distribution of deaths for male aged 60 in 1992, allowing for future improvements. PMA92 represents the more recent estimateCrosssubsidy operates across either distribution, and longevity protection is largely retained even if mortality is reviewed Drift in anticipated distribution allowing for newer evidence169。 Watson Wyatt Partners 2023Excess survivors PMA92 pared with PMA80Cost to annuity provider of not reviewing mortality relates to payments made to those survivors who were not expected to live so long the red zone169。 Watson Wyatt Partners 2023New modelInvestment fund+Insurance against survivalLifetime ine model benefit statement Units Unit Price Value 163。 163。Start of Year 10,000 100,000Annuity Payments (975) (10,000)Survival Bonus 295 3,000Effect of Changes in Unit Price 4,860End of Year 9,320 97,860Target Inefor Next Year 10,000169。 Watson Wyatt Partners 2023Equivalent additional fundgrowth resulting from mortalitycrosssubsidyMortality: PMA92/PFA92 Calendar Year 2023169。 Watson Wyatt Partners 2023Equivalent additional fund growth M F % pa % pa75 85 95 NB: Partial survival protection possibleFlexible annuity review cycleInitial max/min ine calc39。dAnnuitant selects ine between max and min to next reviewPayments deducted according to annuitant requirements/survival credits/investment returns addedFund balance determined at reviewMax/min ine to next review calc39。d169。 Watson Wyatt Partners 2023Flexible ineThe corridorIne levelchosen by the annuitantannual maximum annual minimum 169。 Watson Wyatt Partners 2023Communication of benefitsIne projections ine takeninitially = ine su
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