please help me to understand the meaning of this sentence.

来源：学生作业帮编辑：作业帮分类：英语作业时间：2024/10/01 09:31:08

please help me to understand the meaning of this sentence.
Retirement pension schemes often require their beneficiaries to purchase a fixed dollar annuity on retirement

退休养老金计划通常要求受益人购买一个固定金额的退休年金

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