One problem: Annuities saddle insurers with potentially crippling risks like customers living longer than expected or the financial markets heading south for long periods.

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。

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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。

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The choice of annuities has long been built into TIAA-CREF retirement plans, and close to 50% of TIAA-CREF participants opt for a guaranteed deferred annuity as an investment option, allocating 40% of their contributions to the option.

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Stewart Johnson, a securities analyst with Friedman, Billings, Ramsey, an investment bank, reckons that many of Genworth's lines, including fixed annuities and long-term care plans sold in the mid-1990s, along with a business in Britain that pays bills in the event of unemployment, were returning less than 6%.

ECONOMIST: Genworth: Out and up | The

Special situation buyers include insurance companies who are matching long term payout commitments on annuities with the interest payments on the Treasuries.

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