The basic thinking behind changing to an annuity was that the one-time payment was apt to lose value due to inflation; in addition, investments and poor money management could lead to an almost total loss, thus there was no way to guarantee that the payment actually fulfill its insurance and pension function.
之所以改為年金給付，主要考量是過去一次給付，這筆錢很容易因為通貨膨脹貶值，或者投資、管理不當等因素而損失殆盡，無法確實發揮保險、養老的功能。