年金是一种结构多种多样的保险产品，购买年金的个人或机构只要一次性出一大笔钱或稳定缴纳保费，就可终生获得养老金。

These are insurance products that vary in structure and let individuals or groups exchange a lump sum or steady premiums for a lifetime income stream.

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各种偿还能力制度和有关保险产品结构的规定，是下文进行讨论的两个重要领域。

Solvency regimes and regulations concerning the structure of insurance products are two important areas discussed below.

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