年金简单理解就是你交一笔钱保险公司，让这笔钱可以应对活的够久带来的各种风险。相对的，保险公司承诺在相当长的时间内提供一笔稳定的收入，而这里的时间可以直到生命等长。基于你购买年金的种类，保险公司需要你为这笔未来需要的使用的钱支付一些费用。

那么这些年金费用是如何计算的呢？保险公司对年金的定价是从你申请开始的当下到未来生命持续的这段时间和未来需要的钱两个模型来计算的。通常来说，你兑付未来的风险越高，那么你需要支付的费用也越高。

How much do annuities cost and are there fees involved?

It’s good to understand that an annuity transfers the risk of you outliving your assets to an insurance company. In turn, they guarantee a stable income for a specific length of time, or for as long as you live. Depending on the type of annuity you purchase, there may be fees involved in providing this guarantee.

How costs are calculated: An insurance company prices its guarantee based upon your life expectancy at the time of application, and the payout period you desire. Generally, the more risk you transfer to the insurance company, the higher the fees.