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Symetra Jumps on the Fee-Based FIA Train

The fee-based fixed indexed annuity trend rolls on as Symetra Life Insurance announces the launch of Symetra Advisory Edge and Symetra Advisory Income Edge.  According to a recent news article, Advisors who sell Symetra annuities now have both the traditional commission-based Edge FIA products and the new fee-based Advisory Edge products available. Income edge products are single-premium fixed indexed deferred annuities. “Expanding our lineup of commissionable FIAs to include these new... Read More

Indexed Annuities Income Rider from Lincoln Financial

Despite disappointing second-quarter annuity sales, Lincoln Financial has launched a new income rider on three families of indexed annuities, signaling a confidence in the future of annuity products. According to a recent InsuranceNewsNet article, Lincoln’s i4LIFE Indexed Advantage rider is now available on their New Directions, OptiBlend, and OptiChoice FIAs, which are currently sold by commission-based advisors. “We believe that for most people there will come a time when they need to... Read More

Options for Market Correction Protection

As many industry experts predict an end to our eight-year bull market, many investors are beginning to consider ways to protect their portfolio from the looming drop in stocks. Bonds have been a go-to in years past, but as interest rates remain low, many are looking elsewhere. As interest rates rise, which they are expected to, the prices of bonds fall in order to make up for their lower yields. Meanwhile, the Federal Reserve could potentially put more pressure on bond prices. When the... Read More

Brighthouse Financial Expands Shield Annuity Family

In an effort to focus on simplicity, transparency and value in product design, Brighthouse Financial has announced an expansion to its flagship Shield annuity family. The major provider of U.S. annuity and life insurance solutions has made available Brighthouse Shield Level Select℠ 3-Year and 6-Year Annuities and the Brighthouse Shield Level Select℠ Access Annuity, offering a broader range of solutions for more advisors and customers, according to a recent press release. The Shield... Read More

Investment Strategies for Rising Rates

Much to the delight of older investors, the Federal Reserve has raised the federal funds rate three times since the end of 2016. The increased rate can mean more opportunities to capitalize, which is great news for those nearing or in retirement. Here’s a look at five different strategies to take advantage of the ever-increasing rate, according to a recent U.S. News article. Dividend stocks As investors near retirement, many start to steer clear of equities, but in a rising-rate... Read More

Voya Financial and the Buffer Annuity Comeback

A little less than two years ago, Voya Financial exited the buffer annuity market, but with a recent resurgence in popularity, they have now announced a re-entry with the launch of a new product. “I think we just came to the market too early for it,” said Carolyn Johnson, CEO of annuities and individual life at Voya in a recent InvestmentNews article. Voya originally launched PotentialPLUS, its former buffer annuity, in 2014 before closing it in October 2015.  “In hindsight,... Read More

Equity-Indexed Annuities: Consider This

Equity-indexed annuities, also known as indexed annuities, provide retirees with a minimum investment return with the added chance of stock-market gains. While the concept sounds perfect for most people, these products have been met with harsh criticism mainly due to heavy fees, opaqueness, lack of liquidity and disappointing results. But according to a recent Yahoo! Finance article, equity-indexed annuities are still very attractive to those looking for safety while hoping for... Read More

Criticism of Buffer Annuities: Is it Justified?

Have you heard of "buffer annuities?” They're described as sort of a cross between variable and indexed annuities. Through exposure to structured products like options contracts, they boast a protection to the downside in exchange for a cap to the upside. Several industry players have reported an increase in complaints against these products, but according to a recent article from Investment News, the criticism may not be warranted. One such critic of buffer annuities is Andrew Stoltmann,... Read More

Voya Financial Announces Fixed Index Annuity Product

In an expansion of its portfolio of fixed index annuity products, Voya Financial, Inc. (NYSE: VOYA) has just announced the new Voya Journey Index Annuity. According to a recent InsuranceNewsNet article, the new product provides investors with a simple “two stage interest-crediting approach that offers full growth potential, while providing protection from market declines.” Individuals also have the flexibility to use multiple crediting strategies with the addition of dynamic indices from... Read More

Annuity Trends for 2017

2008 was a difficult year for many financial sectors, and the annuity business was no exception. With the possible implementation of the Department of Labor’s (DOL’s) fiduciary rule rapidly approaching, many industry experts are predicting that 2017 will prove to be just as challenging. Here’s what some are saying to expect, as reported in a LifeHealthPro article. There’s no discussion about the future of annuities that doesn’t include the top regulation facing the industry, the... Read More

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