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Stay on top of the latest news & trends affecting the annuity industry. The AnnuityFYI annuity blog is regularly updated with original articles covering products, insurance company news and financial expert’s commentary. Whether you are an annuity owner or financial professional, Annuity FYI’s blog will keep you informed.

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Fixed Indexed Annuities Set for Comeback

Historically, fixed indexed annuities have gained favor with investors who like the idea of participating in market gains while protecting their principal. Couple this with a guaranteed stream of income in retirement and it’s not hard to understand why these annuities have been the most popular product in retirement planning. In recent years however, indexed annuity sales have flattened after the Depart of Labor’s fiduciary rule focused on the commission based sales of the product. But... Read More

Worried About Your Parents Running Out of Cash in Retirement? MassMutual Has You Covered

Did you know that one out of every three 65-year-olds today will live past the age of 90? As life expectancy continues to rise, individuals are faced with not only the issue of funding their own (potential) 30-year retirement, but also that of their parents. In response to this conundrum, MassMutual has announced a new product that Boomers can purchase to assist their parents avoid the risk of running out of money in retirement. According to a recent article from 401(k) Specialist... Read More

What is a Flexible Premium Deferred Annuity?

If you are considering the purchase of an annuity for retirement income, you’re not alone. With traditional pensions becoming more and more scarce, investors who are looking to replace the steady stream of income in retirement are finding that annuities are one of the only products that can provide one. But not all annuities are alike, and before signing on the dotted line, it’s crucial that you do your due diligence in educating yourself on the options.  One option is the flexible... Read More

Today’s Annuity News

Here’s a look at some of the recent happenings in the annuity industry, according to ThinkAdvisor.  There are two new indexed annuities available from Security Benefit Life Insurance Company. Both are part of the new Strategic Growth Series Annuities family and are filed with regulators as non-variable contracts.  The Strategic Growth Annuity contract is aimed at purchasers who are looking for high participation rates and spreads and comes without a bonus, according to Topeka,... Read More

State Regulators: No On ‘Best Interest’ Annuity Sales Rule

State insurance commissioners have been debating annuity regulation proposals for quite some time, and it appears that the conflict has yet to be resolved. According to a recent Financial Advisor Magazine article, the latest NAIC draft annuities regulation that was recently approved stopped short of creating a regulation that would require agents to put customers’ “best interests” first.  A reluctance to replace the word “suitability” with “best interest” is apparently to... Read More

Fixed Indexed Annuities and Retirement Income Planning

In times of market volatility, such as this, many are turning to fixed indexed annuities as a safer way to invest. But with so much confusion and misconceptions on how the product actually works some are skeptical about purchasing one.  Instead of comparing FIAs to investment security products, like mutual funds, these annuities should actually be touted as insurance products. They allow consumers to protect the principal of their investment while letting the annuity be credited... Read More

Lincoln Financial Launches New Annuity Products for RIAs

For clients looking for protected lifetime income, Lincoln Financial Group has two new products to offer: Lincoln Insured IncomeSM Advisory, a commission-free, single premium immediate annuity (SPIA) and Lincoln Deferred Income SolutionsSM Advisory, a commission-free deferred income annuity. According to a recent article from InsuranceNewsNet, these products are available through registered investment advisors (RIAs).  “Lincoln Insured IncomeSM Advisory and Lincoln Deferred Income... Read More

Purchasing a Variable Annuity Direct? Consider This First

Despite Vanguard’s exit from the variable annuity sales sector this summer, there are still a plethora of choices for consumers who are shopping for a variable annuity. But just because there are options doesn’t mean you can blindly select any of them. As always, it’s important that you do your homework and research the pros and cons of such a purchase, especially when buying directly. Here’s a look at some pointers on the process from the experts at Kiplinger Magazine. Variable... Read More

Vantis Life Launches New Annuity Line-up

Vantis Life Insurance Company, the leading direct-to-consumer life insurance provider, just announced the launch of a new series of annuity products that are available for online direct purchase.  According to a recent article from InuranceNewsNet, the two products are: TaxSaver Freedom® ROP - This is a fixed interest rate annuity complete with a safety of return of premium (ROP)  guarantee feature. Customers will enjoy access to their deposits at any time without a withdrawal... Read More

Pacific Life Offers New Annuity Benefit

Variable annuities from Pacific Life are designed to provide guaranteed lifetime income with growth potential, and a newly introduced optional benefit now offers protection in a volatile market too. According to a recent press release, Protected Investment Benefit provides 90% protection from investment declines and unlimited growth potential. The benefit, which is available for an additional cost, allows for broad investment choice with up to 80% equity exposure with investment time... Read More

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