Struggling asset markets mean they build up a smaller pension pot; low bond yields mean the annuity income from that pot is lower.

糟糕的资产市场意味着他们建立的养老金规模较小，债券收益较低意味着该规模的养老金保险收入更低。

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Moreover, unlike with an individual retirement account, you don't need earned income to fund a variable annuity, so you can open an account for a toddler.

此外，不象个人退休帐户，可变年金账户并不需要靠固定收入来维持。所以你甚至可以给婴儿开设这样的账户。

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One strategy is to consider the minimum amount of income you require on an annual basis and then see if there's a low-cost annuity that promises to pay at least that amount for life.

一个策略是，想想你每年所需的最低收入是多少，然后看看有没有低成本的年金，可以承诺终生支付至少这个数目。

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Annuity income can supplement Social Security benefits, income from investments, and retirement account distributions.

FORBES: Immediate Annuities Aren't for Everyone

If your partner is in poor health, then they will qualify for an enhancement in their own right and once again the annuity income should be higher.

BBC: Enhanced annuities: Who can benefit?

's Select Deferred Income Annuity, a product introduced last April that now accounts for 20% of the insurer's income annuity sales.

WSJ: Should You Buy 'Longevity' Insurance?