保障退休收入
Jacob and Anne are a couple. They are talking about buying an annuity.
雅各和安妮是夫妻。他們在討論購買年金保險。
Jacob: Do you think it would be a good idea for me to buy an annuity now?
雅各：你認為我現在就購買年金保險是個好主意嗎？
Anne: If you’re looking for a steady income stream for your retired life in the future, then an annuity is a good choice.
安妮：如果你未來退休後想要有穩定的收入來源，那年金保險是個不錯的選擇。
steady(adj.)穩定的、平穩的、有規律的stable(adj.)穩定的、穩固的、牢固的retire(v.)退休、退役retiree(n.)退休人士retired(adj.)退休的、退役的retirement(n.)退休、退役
Jacob: Being guaranteed retirement income is ideal, but I wonder whether it would be too soon for people my age to buy an annuity.
雅各：退休收入有保障是很好，但我在想，購買年金保險對我這個年紀的人而言會不會太早？
guarantee(v.)保障、保證
Anne: I know that typical buyers are between 45 to 75, but it may differ considering each person’s financial situation and how they plan to use their money.
安妮：我知道購買者通常介於45至75歲，但這點因個人財務狀況與用錢規劃而有所不同。
typical(adj.)典型的differ(v.)有所不同、有區別
Jacob: Hmm… currently, I’m not sure whether there will be a major event that requires huge amounts of money.
雅各：嗯⋯⋯我目前是不確定會不會有重大事件需要用到大筆的錢啦。
require(v.)需要
Anne: Then it’s better not to get one now since annuities usually have a surrender period where you will be charged for making withdrawals before the payout begins.
安妮：那還是不要現在買比較好，因為年金保險通常會有封閉期，在年金開始給付前請領的話會被收取費用。
a surrender period 封閉期withdrawal(n.)提領、提款withdraw(v.)提領、提款
Jacob: You’re right. There is no need to rush into it. Plus, I don’t have extra dollars to fund an annuity.
雅各：你說得對，沒必要急著購買。再說我也沒有多餘的錢可以投保。
rush into sth. 急於做某事fund(v.)提供資金給～
Anne: Annuities can be purchased with regular or lump-sum payments, but I think you should mull it over before making the decision.
安妮：是可以透過分期繳款或一次繳清的方式購買年金保險啦，但我覺得你應該認真考慮後再作決定。
purchase(v.)購買=buyregular(adj.)固定的、有規律的a lump sum 一次性支付的金額、一整筆款項mull over 仔細思考、反覆考慮