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8/6/2019 3.Life Annuities
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MY]]43=45 Kdq|k}nkh TdnlfdlMY]]43=45 Kdq|k}nkh TdnlfdlQosnd 45 Kff|nqnlt & Hn`l Kff|nqnlt
]UN ;
Jaj ]oaunkg KgjkaDohhlil o` M|tnfltt\fnpl}ntnqn \qk}k Jkhk~tnkTljltql} NN =3;3/=3;;
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D ofqlfqtD ofqlfqt4 ; Nfq}oa|dqnof4 = Q~slt o` Kff|nqnlt ynqg dojso|fa nfql}ltq4 4 ]lhkqnoftgns mlqyllf Kff|nqnlt A|l/
Njjlankql
4 1 Sl}slq|nq~4 < Al`l}}la Kff|nqnlt4 0 Hn`l Kff|nqnlt4 9 Antd}lql Hn`l Kff|nqnlt4 7 D ofqnf|o|t Hn`l Kff|nqnlt4 > Hn`l Kff|nqnlt ynqg jofqgh~ sk~jlfqt
]UN =
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4 ; Nfq}oa|dqnof4 ; Nfq}oa|dqnof~ Kf kff|nq~ nt k tl}nlt o` sk~jlfqt
jkal kq l{|kh nfql}pkht~ Lw5 k dk} hokf nt }lskna ynqg l{|kh
nftqkhjlfq~ K }lqn}ll s|}dgktlt kf kff|nq~ `}oj
nft|}kfdl dojskf~ |sof gnt}lqn}ljlfq
~ K hn`l nft|}kfdl sohnd~ nt s|}dgktlaynqg jofqgh~ s}ljn|jt
~ @o} antd|ttnof s|}sotl( yl ktt|jlqgl kff|nqnlt ynqg `nwla kjo|fq( foal`k|hq }ntb
]UN 4
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4 = Q~slt o` Kff|nqnlt ynqg4 = Q~slt o` Kff|nqnlt ynqgdojso|fa nfql}ltqdojso|fa nfql}ltq
~ 4 = ; Kff|nqnlt njjlankqlsk~jlfq kq qgl lfa o` nfql}pkh
3 ; = f*; f
~ 4 = = Kff|nqnlt*a|l 5Sk~jlfqt a|l kq qgl mlinffnfi o` sl}noa
3 ; = f*; f
]UN 1
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4 = ;4 = ;**; Kff|nqnlt Njjlankql 'SP.; Kff|nqnlt Njjlankql 'SP.~ D oftnal} kf kff|nq~ ynqg sk~jlfqt
o` ; |fnq lkdg jkal kq qgl lfa o`lpl}~ ~lk} |fqnh f*~lk}t
~ SP o` qgl kff|nq~
]UN
4 < Al`l}}la Kff|nqnlt4 < Al`l}}la Kff|nqnlt
~ O ` ofl `o} ygndg qgl `n}tqsk~jlfq nt jkal tojlqnjl nf qgl`|q|}l
~ f*sl}noa kff|nq~*njjlankql5Kf kff|nq~ ynqg f sk~jlfqt `o} ygndgqgl `n}tq sk~jlfq nt qo ml jkal kq
qnjl j";Qgl SP o` qgnt kff|nq~ nt
xxx;
jfj
fj
fj kk
np
pkp +
+
xxx
fj
jfj
kpkk +
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k. Antd}lql f*~lk} qljso}k}~ hn`lkff|nq~*njjlankql ynqg k sk~jlfqo` ; |fnq
m. Antd}lql f*~lk} qljso}k}~ hn`lkff|nq~*a|l
4 9 ; Antd}lql f4 9 ; Antd}lql f**~lk} Qljso}k}~~lk} Qljso}k}~hn`l kff|nq~hn`l kff|nq~
++f
b wb b f w spk
;x5
+
+ ;3
x5
f
b wb
b f w spk
=;
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~ ]lhkqnoftgns mlqyllf 'k. kfa 'm.
x;5x5 ;+ f wf w kk
==
4 9 ; Antd}lql f4 9 ; Antd}lql f**~lk} Qljso}k}~~lk} Qljso}k}~hn`l kff|nq~hn`l kff|nq~
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Lwkjshl5@nfa KSP o` 4 ~lk}t qljso}k}~hn`l kff|nqnlt njjlankql ntt|laqo k sl}tof kila 1< `}oj qgnthn`l qkmhl Ynqg nfql}ltq }kql:01(;79
10 >0=(;30
19 >(7
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Toh|qnoft5
=1
4 9 ; Antd}lql f4 9 ; Antd}lql f**~lk} Qljso}k}~~lk} Qljso}k}~hn`l kff|nq~hn`l kff|nq~
9 ;;3011 =;(>01701;3 0(>0=
'.3
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k. Antd}lql ygohl hn`l kff|nq~*njjlankql qgkq jkblt sk~jlfqt kqqgl lfa o` lpl}~ ~lk} kt hofi kt qglkff|nqkfq t|}pnplt
m. Antd}lql ygohl hn`l kff|nq~*a|l qgkqjkblt sk~jlfqt kq qgl mlinffnfi o`
lpl}~ ~lk} kt hofi kt qgl kff|nqkfqt|}pnplt
=