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.

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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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There have also been one hundred-year bonds and there have also been perpetuities that-- in the UK, for example, the British Consoles-- have no expiration date and they have infinite maturity.

还有更长期的一百年债券,还有一种永续年金,比如说英国的大英统一公债,没有过期日,永不到期

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