google 了一下， 感觉几乎零风险阿。 Fixed annuities are often referred to as CD Type Annuities because of their similarity to bank certificates of deposit. They provide a guaranteed rate of return for a set period of time (usually 2 to 10 years). You might earn more if the annuity company''s investments do well, but you are always guaranteed at least your minimum payment. Taxes are not due on annuity earnings until the annuity matures. If the annuity is designed to leave money after you die, the amount will go directly to your beneficiaries.
父母有点动心了。不太了解这种类型的annuity，想请问下这里面有什么坑吗？谢谢！
问问是哪家保险公司的产品，建议用评级A以上的公司。
Fixed annuities are often referred to as CD Type Annuities because of their similarity to bank certificates of deposit. They provide a guaranteed rate of return for a set period of time (usually 2 to 10 years). You might earn more if the annuity company''s investments do well, but you are always guaranteed at least your minimum payment.
Taxes are not due on annuity earnings until the annuity matures. If the annuity is designed to leave money after you die, the amount will go directly to your beneficiaries.