tontine
/tɒnˈtiːn/noun
1- an annuity shared by subscribers to a loan or common fund, the shares increasing as subscribers die until the last survivor enjoys the whole income汤鼎氏养老金制, 联合养老制（承购者共同使用一笔贷款或基金, 生者的份额随死者的增加而增加, 直至最后一个生者享受所剩的全部储金）。
1.1
- a scheme for life assurance in which the beneficiaries are those who survive and maintain a policy to the end of a given period联合养老保险。
词源
mid 18th cent.: from French, named after Lorenzo Tonti （1630-95）, a Neapolitan banker who started such a scheme to raise government loans in France （c. 1653）.