group annuity
团体年金
指保险公司为一个团体(通常为同一雇主的雇员）设计的退休计划。由保险公司的精算师根据规定的给付金计算出雇主与雇员共同缴纳的保险费，保险公司对符合条件的雇员负责给付退休金。
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