目前,保险市场上绝大多数养老产品都是限期缴费的年金保险,即投保人按期缴付保险费到特定年限时开始领取养老金。如果年金受领者在领取年龄前死亡,保险公司或者退还所缴保险费和现金价值中较高者,或者按照规定的保额给付保险金。通常养老金产品属于年金产品的一种。年金产品都? At present, the vast majority of pension products in the insurance market are annuity insurance with limited payment, that is, the policyholders start to receive pensions when the premiums are paid on time by a specified number of years. If the annuity recipient dies before receiving the age, the insurer either refunds the higher of the premium paid and the cash value paid, or pays the insurance money in accordance with the prescribed sum. Usually pension products are a kind of annuity products. Annuity products are?