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1.an annuity scheme wherein participants share certain benefits and on the death of any participant his benefits are redistributed among the remaining participants; can run for a fixed period of time or until the death of all but one participant.
参加者共享一笔基金，有人死亡时，此项基金再从新在在世的人中分配；可以在一定时期内或一直到剩下最后的仅存者。收藏指正
2.Generally speaking, offer the product that the risk ensures only, suit the person with inferior income to buy, if insurance against death, person is accident,injury insurance, disease, medical treatment is sure to wait, because do not have time-expired live to pay or annuity gives pay, require the insurance cost with less pay only, can obtain bigger risk safeguard.
一般来说，只提供风险保障的产品，适合收入较低的人购买，如死亡保险、人身意外伤害保险、疾病、医疗保险等，因为没有满期生存给付或年金给付，只需缴纳较少的保费，就可以获得较大的风险保障。收藏指正
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