如果你能至少等上几年再领取退休收入, 递延收入年金可以帮助你充分利用你的储蓄. 你的 代理 will help you set a future start date for your payouts that can provide higher guaranteed income.
A deferred income 年金 is a type of policy that converts your savings into a future income stream during retirement. 如果你离退休还有几年的话，这是一个不错的选择. 当你准备好了, 它开始提供有保障的收入支付, 比如一笔能让你度过余生的养老金.
递延收入年金给你很大的灵活性，你的 代理 会帮你做一些决定:投多少钱到年金，什么时候投, 你希望多久收到一次保证支付, 当你想要你的收入开始. 在某些情况下，还有可能获得股息. Then you’ll start receiving regular income payments to support you for the rest of your life. 如果你的需求在任何时候发生变化，你可以调整你的年金.
如果你已经为你投入年金的钱纳税了, 你只会对年金产生的额外收入征税. Those earnings are tax-deferred, meaning that you only pay taxes when you receive an 年金 payment. (Part of each 年金 payment is treated as a tax-free recovery of your premium and the remainder of each payment is treated as taxable earnings.) If you use pre-tax dollars, however, you’ll pay income tax on the entirety of each payout. 你的 代理 可以给你个性化的报价和回答任何其他问题，你可能有.
递延收入年金被认为是低风险的. You’re guaranteed to receive regular payments for life and not lose any of the money you put in.
1所有担保均取决于开证人的偿付能力, GPK电子 (NYLIC) and 纽约 Life 保险 and Annuity Corporation (NYLIAC) (特拉华州公司), NYLIC的全资子公司. 所有合同和附加保证, 包括期权福利和年金支付率, 是否有保险公司的理赔能力作为后盾.
2纽约 Life Guaranteed Future Income Annuity is issued by 纽约 Life 保险 and Annuity Corporation (NYLIAC), 特拉华州公司, 麦迪逊大道51号, 纽约, NY 10010. The policy form number for the 纽约 Life Guaranteed Future Income Annuity is ICC11-P100 (it may be 211-P100 各州的变化可能适用).
3纽约 Life Future Mutual Income 年金 are issued by GPK电子, 麦迪逊大道51号, 纽约, NY 10010. The policy form number for the 纽约 Life Future Mutual Income Annuity is 215-P200. 各州可能会有所不同.
5纽约 Life 清晰的 Income Advantage Fixed 年金 are issued by 纽约 Life 保险 and Annuity Corporation (NYLIAC), 特拉华州公司, 麦迪逊大道51号, 纽约, NY 10010. 在大多数司法管辖区, the policy form number for the 纽约 Life 清晰的 Income Advantage–FP Series is ICC22D-P01; in some states it may be NC22D-P01, 各州的变化可能适用. 在大多数司法管辖区, the rider form number for the Guaranteed Lifetime Withdrawal Benefit Rider is ICC22D-R01; in some states it may be NC22D-R01, 各州的变化可能适用.
All withdrawals are subject to regular income taxes and are taxed “gains first” or last in first out. Once your Accumulation Value is reduced to $0, your lifetime income payments are fully taxable. Withdrawals made prior to income starting or withdrawals greater than your Guaranteed Lifetime Withdrawal Amount will reduce your guaranteed income payments. 在59岁半之前提款可能会受到10%的国税局罚款. 退让费和市场价值调整(MVA)也可能适用.
An MVA only applies when the policy owner surrenders or makes a withdrawal from the contract that is greater than the surrender-charge-free withdrawal amount during the surrender-charge period and will add or deduct an amount from your 年金 or from the withdrawal amount you receive based on a formula and the prevailing interest rate environment. Please request a Product Fact Sheet from your financial professional for additional important information.