Income Driver 7 / 10 是一款一笔存入的递延指数年金 （Single Premium Deferred Annuity, SPDA）。 一笔钱转进去，经过 7 年或 10 年的递延期，之后开始领取，并且可以保证领到终身。
Income Driver 7 / 10 is a single premium deferred annuity (SPDA). A lump sum goes in, defers for either 7 or 10 years, and then pays out — with the option of a guarantee for life.
一、三个问题：存钱、累积、拿钱1. Three questions: fund, grow, withdraw
所有年金产品都在回答同样的三组问题。把这张表看懂， 任何一款年金的结构你都能拆开：
Every annuity answers the same three sets of questions. Understand this table and you can take apart any annuity's structure:
| 存钱Funding | 累积Accumulation | 拿钱Distribution |
|---|---|---|
|
钱从哪儿来？Where does the money come from? 1. (Roth) IRA / 401(k) 2. 支票现金 1. (Roth) IRA / 401(k) 2. Non-qualified cash |
账户类型Account type 1. 现金价值账户 2. 退休福利账户 1. Accumulation value 2. Benefit base |
什么时候拿钱？When? 1. 立刻拿 2. 放几年之后拿 1. Immediately 2. After a deferral period |
|
怎么存？How? 1. 一笔存 2. 定期存 1. Single premium 2. Flexible premium |
利息方式Crediting 1. 固定利息增长 2. 保底指数增长 1. Fixed interest 2. Indexed with a floor |
拿多久？For how long? 1. 拿固定时间 2. 拿终身 1. Period certain 2. Lifetime |
Income Driver 的组合是：一笔存 → 保底指数增长 → 7 或 10 年后拿 → 拿终身。
Income Driver's combination is: single premium → indexed growth with a floor → distribution after 7 or 10 years → guaranteed for life.
二、两个账户同时生效2. Two accounts, one deposit
这是最容易混淆的一点，值得慢慢讲。你转进去的一笔钱， 在保单里会以两个不同的数字被同时记录：
This is the part most easily confused, so it's worth going slowly. Your single deposit is tracked by two separate numbers inside the contract:
现金价值账户 Accumulation ValueAccumulation Value
- 这是你能真正拿走的钱
- This is the money you can actually walk away with
- 跟随指数保底增长，历史平均约 6% 年化
- Grows with the index subject to a floor; historically around 6%
- 指数下跌时计息 0%，本金不亏
- Credits 0% in down years — principal isn't lost
- 取钱延税
- Tax-deferred until withdrawn
退休福利账户 Benefit BaseBenefit Base
- 这是用来计算终身收入的基数，不能一次性取走
- This is the basis used to calculate lifetime income — it can't be withdrawn as a lump sum
- 开户福利：立即增加 25%
- Bonus: an immediate 25% credit at issue
- 此后每年 10% 单利，共 10 年
- Then 10% simple interest per year for 10 years
- 保证终身永续收入
- Supports guaranteed lifetime income
- 需要护理时收入翻倍
- Income can double when care is needed
退休福利账户负责把每年能领的钱做大——25% 开户奖金加十年单利， 直接决定你终身能领多少；现金价值账户负责保持灵活，那是随时可动用的余额。 两个账户同时为你工作，这正是这款产品的设计精髓。
The benefit base exists to maximize your income — the 25% bonus plus ten years of simple interest set how much you can draw for life. The accumulation value keeps things flexible, as the balance you can access. Both work for you at once, and that pairing is the point of the design.
三、案例：Bob，50 岁，一笔转入 $10 万3. Case: Bob, 50, $100,000 lump sum
Bob 50 岁，把 $10 万一笔转入 Income Driver。两个账户同时生效：
Bob is 50 and moves $100,000 into an Income Driver contract. Both accounts activate at once:
| 退休福利账户计算Benefit base calculation | 金额Amount |
|---|---|
| 转入本金 BaseBase deposit | $100,000 |
| 开户奖金 25%25% premium bonus | + $25,000 |
| 小计Subtotal | $125,000 |
| 10 年 × 每年 10% 单利（$12,500/年）10 years × 10% simple interest ($12,500/yr) | + $125,000 |
| 退休福利账户合计Benefit base total | $250,000 |
与此同时，现金价值账户按保底指数策略增长 （举例按约 6% 平均年化、下跌年份计 0%、最高约 8% 封顶计算）。 到领取阶段，Bob 得到的是：
Meanwhile the accumulation value grows under the indexed strategy (illustratively around 6% average, 0% in down years, with a cap near 8%). At the income stage Bob has:
"护理时收入翻倍"这一条值得留意—— 它把年金从一个单纯的现金流工具，变成了一个同时覆盖长期护理风险的结构。 在最需要花钱的那几年，收入自动翻倍。
The doubling provision is worth noting: it turns the annuity from a pure income tool into one that also absorbs long-term care risk. In the years when costs spike, income automatically doubles.
四、产品细节4. Product details
| 最低存钱金额Minimum premium | 首笔最低 $25,000；90 天内追加每笔最低 $1,000$25,000 initial; additional deposits within 90 days, $1,000 minimum each |
| 最高存钱金额Maximum premium | 45–70 岁 $2,000,000；71–75 岁 $1,500,000；76–80 岁 $1,000,000；81–85 岁 $500,000。更高金额可向公司申请批准Ages 45–70: $2,000,000; 71–75: $1,500,000; 76–80: $1,000,000; 81–85: $500,000. Higher amounts subject to carrier approval |
| 年龄限制Issue ages | 45 – 85 |
| 指数策略Index strategies |
标普 500 — 1 年或 2 年点对点有封顶，或 1 年中每月封顶增长 US Fundamental Balanced Index — 1 年或 2 年点对点，高参与率 Global Balanced Index — 1 年或 2 年点对点，高参与率 固定利息增长 · 平均成本利息增长 所有指数策略均可使用利息提升选项，年费率 1% S&P 500 — 1- or 2-year point-to-point with a cap, or monthly capped crediting US Fundamental Balanced Index — 1- or 2-year point-to-point, high participation Global Balanced Index — 1- or 2-year point-to-point, high participation Fixed interest · averaged crediting All index strategies can use the interest-boost option at a 1% annual charge |
| 免费取钱金额Free withdrawal | 第一个保单年度之后，累积价值的 10%（在法律允许范围内）10% of accumulation value after the first policy year, as available by law |
| 取钱费用 （超过免费部分）Surrender charges (above the free amount) |
Income Driver 7：8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 0% Income Driver 10：8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% Income Driver 7: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 0% Income Driver 10: 8.25%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0% |
| 市场价值调整Market value adjustment | 适用。针对超出免费提取金额的提款，在 Income Driver 7 的 7 年期与 Income Driver 10 的 10 年期内生效Applies to withdrawals above the free amount during the 7-year (ID7) or 10-year (ID10) period |
| 贷款Loans | 403(b) / 457(b) 计划允许贷款，有多种贷款方式可选Permitted for 403(b)/457(b) plans, with several loan options |
| 条款Riders | 护理与末期疾病条款免费（在已批准的州）；403(b)/457(b) 紧急提取豁免免费。保证终身收入条款（GLIR）为必选：标准 GLIR 按福利基数收取 1% 年费、从累积价值中扣除，另有免费版 GLIR 可选Nursing care and terminal illness riders at no cost (in approved states); 403(b)/457(b) emergency access waiver at no cost. A Guaranteed Lifetime Income Rider is required: the standard GLIR carries a 1% annual charge on the benefit base deducted from accumulation value, and a no-charge GLIR is also available |
| 开户类型Account types | Non-qualified, IRA, Roth IRA, 403(b), Roth 403(b), 457(b), Roth 457(b), SEP IRA, Simple IRA, Pension/Profit Sharing |
五、什么样的人最适合5. Who it fits best
适合A fit when
- 45–85 岁，已有一笔退休资金
- Age 45–85 with retirement savings already accumulated
- 最担心的是"活太久、钱不够用"
- The main worry is outliving the money
- 希望退休后有一笔不随市场波动的稳定现金流
- A stable income stream that doesn't move with markets is the goal
- 这笔钱在递延期内确定不会动用
- The money genuinely won't be needed during the deferral period
- 同时希望覆盖一部分长期护理风险
- Some long-term care risk should be covered too
本文仅供一般性财务教育使用，不构成保险、税务或投资建议；文中数字为说明性举例，具体保障与条款以保单为准。
General financial education only — not insurance, tax, or investment advice. Figures are illustrative; the policy governs.