这里存在一个问题：推出年金的承保人有可能面临一些重大风险，比如投保人活得比预期长，或者金融市场长期陷入低迷等。
One problem: Annuities saddle insurers with potentially crippling risks like customers living longer than expected or the financial markets heading south for long periods.
企业年金还是一种长期的储蓄计划，在将来特定的日期，如在退休的时候，年金持有人将获得一笔收入。
Annuities also consist of long-term savings plans that promise the payment of a stream of income to annuity holder beginning on a designated future date, such as at retirement.
企业年金还是一种长期的储蓄计划，在将来特定的日期，如在退休的时候，年金持有人将获得一笔收入。
Annuities also consist of long-term savings plans that promise the payment of a stream of income to annuity holder beginning on a designated future date, such as at retirement.
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