VA Living Benefit Riders Are Making A Comeback

A lot of the changes made to variable annuity products in the last year were negative.  But the most recent changes show that the variable annuity market looks to be on an upswing.  One of the most notable changes is that some life insurance companies are bringing back living benefit riders or offering better ones.  In addition to that, we are still seeing more investment focused variable annuities and some companies are still offering exchanges.  In Darla Mercado's Investment News article,... Read More

The Wall Street Journal Introduces Prudential’s Premier Investment Variable Annuity

Prudential Financial's domestic annuity business, Prudential Annuities, has just introduced a new line of variable annuity products.  According to the Wall Street Journal press release, "Prudential Annuities Launches Prudential Premier Investment," this new line of variable annuities focuses on tax deferral and the flexibility of its investments.  More than three-quarters of Americans paid more taxes in 2013 than they did in 2012.  Since investments are putting more tax pressure on... Read More

401k Annuities May Be the Future of Retirement Plans

Bankrate's Jennie L. Phipps asked if annuities are the future of retirement plans in her article "Annuities the Next Big Retirement Option?".  We're well aware, especially those of us who are working, that our savings will have to carry us through retirement.  The majority of companies no longer offer pensions at retirement that will pay monthly income for the rest of our lives.  This is why the Department of Labor asked for input regarding annuities in retirement plans a couple of years... Read More

Variable Annuity Industry has Divided Into Two Categories

The landscape of the variable annuity industry has been changing over the past couple of months.  Insurance companies are introducing a range of new variable annuity products that don't offer living benefits.  Some insurers, jilted over the hits they took on variable annuities during the recession in 2008-2009, decided to exit the market altogether.  But others have come up with a new way to sell their variable annuities, one that capitalizes on another benefit of the product altogether. ... Read More

Longevity Annuity Recommendations

Longevity annuities come in two different types and help to insure that you will not run out of money in retirement.  They are essentially the opposite of life insurance, which leaves money behind in the case of an early death.  Deferred income annuities and fixed indexed annuities with lifetime income riders are two ways to guarantee a stream of income that you cannot outlive.  Annuity FYI recently put together a list of their recommended longevity annuities.  The difference between a... Read More

The Hartford Forces Variable Annuity Investment Changes

UPDATED July 27, 2013:  The variable annuity community has been up in arms since The Hartford announced forced variable annuity changes earlier this summer.  Many of their variable annuity contract holders are being forced to change their asset allocations to a more conservative mix by October 4 or risk losing out on their living benefits.  But due to a difference in contract wording in different states, some variable annuity holders will not be subject to this new forced change.  Darla... Read More

Six Recommended Deferred Income Annuities

UPDATED 8/31/2013Deferred income annuities have been selling in record numbers this year.  Bank Investment Consultant's Margarida Correia tells us why in "Deferred Income Annuities Gain Traction, Following Rebirth."  The products were called advanced life deferred annuities when first introduced, but did not take off in the marketplace.  After a few changes recently, an IRI report predicts that DIAs will be have the fastest growth in sales of any annuity product.  Old products had... Read More

Lower Annuity Sales in 2012 for Many Reasons, Not All of Them Bad

While the total annuity sales last year were at their lowest level since 2005, I don't think that's all bad news.  Part of the reason for this decline has been steadily low interest rates combined with low consumer confidence, but there's another reason for the decline as well.  Hopefully, fewer annuities are being sold to the wrong clients as the industry works hard to get rid of unethical advisors.  It's important for the right annuities to be sold to the right people, even if that means a... Read More

Prudential’s Newest Variable Annuity Offers Defined Income

A new variable annuity and a new benefit option have just been introduced by Prudential Annuities.  According to the Prudential Financial press release, "Prudential Annuities Launches Prudential Defined Income Variable Annuity and Highest Daily Lifetime Income v2.1," these products have been designed to help current and future retirees meet ever-changing needs.  The Prudential Defined Income Variable Annuity adds to the company's wide range of product offerings.  It has one big benefit that... Read More

Six Low-Cost Variable Annuities

Annuity FYI just added a new page with information about some of the best low-cost variable annuities available right now.  I thought it was important to summarize this information on the blog as well because we are constantly asked about low-cost variable annuities.  Do they exist?  Are they any good?  Yes, there are definitely a lot of good low-cost variable annuities to be found.  It doesn't mean they are the best product for your needs just because they are low-cost, but there is a... Read More - Prefooter


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