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Financial Planning
October 1, 2005
Frank O'Connor
Proliferating Benefits Guaranteed living benefits continue to drive variable annuity sales and morph into new options. Financial planners, take note. mark for My Articles similar articles
Financial Planning
February 1, 2006
Donald Jay Korn
Annuities Special: The Right Rider Boomers want guaranteed lifetime income, but don't want to buy an immediate annuity. Variable annuity issuers think they have a solution. mark for My Articles similar articles
Registered Rep.
October 1, 2002
Pamela J. Black
Not So Easy Riders The bear market has created interest in annuities that offer guarantees on returns. A look at riders being offered to protect value, improve liquidity, etc. mark for My Articles similar articles
Financial Advisor
September 2006
Frank O'Connor
An Expensive Guarantee? Guaranteed Minimum Withdrawal Benefit (GMWB) features in variable annuities have grown steadily in popularity since first introduced in 2002. But financial advisors need to know if this feature is really worth the cost. mark for My Articles similar articles
Financial Planning
May 1, 2008
Jay Korn
Withdrawal Methods Issuers of variable annuities usually include language such as "regular income for life" or "annuity payment stream" when describing these products to clients. The promise of income is a big attraction. So why do so few VA owners put it into action? mark for My Articles similar articles
Financial Planning
July 1, 2013
Frank O'Connor
More Fine Tuning for Variable Annuities Issuers kept busy in the first part of the year, but mainly by changing existing products. mark for My Articles similar articles
Financial Planning
October 1, 2013
Frank O'Connor
Annuity Changes Speed Up Issuers have been busy changing fees, adjusting payout levels and consolidating age bands. mark for My Articles similar articles
On Wall Street
November 1, 2008
Elizabeth Wine
Seeking Unsexy Annuities Annuities have received a bad rap of late for their high fees and confusing contracts. But as other investments tank, clients are once again looking for guaranteed income streams from their portfolios. mark for My Articles similar articles
Investment Advisor
March 2008
Melanie Waddell
Sweetening the Pot A new report has found that adding a variable annuity with a lifetime guaranteed minimum withdrawal benefit rider to a traditional stock and bond retirement portfolio can increase income while decreasing income risk. mark for My Articles similar articles
Registered Rep.
August 15, 2011
Alan Lavine
Investors Flock to Variable Annuities With Guaranteed Benefits, But Beware Retiring baby boomers are pouring their money into variable annuities with guaranteed lifetime withdrawal benefits. mark for My Articles similar articles
Financial Advisor
February 2005
Tracey Longo
Guarantees Spur Income Variable Annuities Sales Burgeoning investor interest in guaranteeing some part of their retirement income, especially in this era of diminishing pensions, is spurring more companies to develop a host of new variable products and features. mark for My Articles similar articles
On Wall Street
January 1, 2012
John Diehl
Lifting The Cloud Over Annuities Anyone who sells annuities knows two things to be true: annuities can deliver significant value to clients and they are also one of the most misunderstood financial products on the market. mark for My Articles similar articles
BusinessWeek
June 23, 2011
Margaret Collins
Variable Annuities: Lifelong Income, High Cost Guarantees make annuities more appealing - and more complex. mark for My Articles similar articles
Financial Advisor
May 2010
Alan Lavine
Sizing Up Annuities In the wake of the recent financial meltdown, the income guarantees offered by annuities have become quite attractive. The payouts are appealing, but do your homework. mark for My Articles similar articles
Financial Advisor
February 2008
Jay Kabad
Something To Live With? Billions of dollars are now being invested in variable annuities. Part of the attraction are the guarantees, the so-called living benefits. mark for My Articles similar articles
Registered Rep.
September 17, 2012
Alan Lavine
Insuring Income You'd like to insure at least part of your client's income for life. But do you choose a variable annuity with a guaranteed lifetime withdrawal benefit? Or an immediate annuity? mark for My Articles similar articles
Financial Advisor
July 2011
Gail Liberm
Aiming For Advisors New annuity products and platforms are being designed to appeal to fee-only advisors. mark for My Articles similar articles
Financial Advisor
February 2006
Tracey Longo
A Push For Lifetime Income Variable annuity providers hope to jump-start their business by selling security to worried baby boomers. mark for My Articles similar articles
The Motley Fool
February 24, 2004
J. Graham
Beware of Brokers Bearing Annuities Annuities may sound good, but their costs overwhelm their benefits. Stockbrokers and financial advisors love to sell annuities because of the high commissions they reap. My ex-broker sold one to me, and it has proven to be the most restrictive, highest-cost, least-liquid, and poorest-performing investment in my portfolio. mark for My Articles similar articles
Financial Advisor
June 2012
Alan Lavine
Tough Business Major players exit variable annuities, but VA sales are up overall. mark for My Articles similar articles
Financial Planning
May 1, 2011
Joseph A. Tomlinson
Income Choices Retirement income is a growth industry, and the menu of products is expanding fast. Immediate annuities and variable annuities with living benefits are established products, while longevity insurance and standalone living benefits are more recent additions. mark for My Articles similar articles
Registered Rep.
December 18, 2012
Alan Lavine
Uh, Sorry...Can We Have That Back? Several insurance companies are following in the footsteps of The Hartford and offering to buyback variable annuities with guaranteed lifetime income. Should your clients take the cash? mark for My Articles similar articles
CFO
March 1, 2007
Marie Leone
Beware the Fine Print Despite some welcome improvements, variable annuities still scream ''caveat emptor.'' mark for My Articles similar articles
Financial Advisor
February 2007
Tracey Longo
Variable Annuities Get Sales Boost Do you really want to get your clients' attention as they prepare for retirement? Talk to them about variable annuities. mark for My Articles similar articles
Financial Planning
September 1, 2012
Frank O'Connor
Variable Annuity Issuers Go Back to Basics After the Financial Crisis After the economic crisis, VA issuers go back to the basics, designing new products intended to avoid volatility and basis risk. mark for My Articles similar articles
Financial Advisor
June 2007
Thomas Scott
What An Airline Crash Taught Me About Retirement Planning It doesn't take a catastrophic crash to cause significant injuries, in an airliner or in a retirement plan. As advisors, how can we best assure our clients will have an adequate income stream for their lifetimes? mark for My Articles similar articles
On Wall Street
October 1, 2012
Dave Lindorff
Indexed Annuities Grab the Spotlight Indexed annuities have gained popularity while variable annuities have softened, as the players on the buy and sell side change. mark for My Articles similar articles
Financial Advisor
November 2011
Alan Lavine
Finding A Floor Annuities gain traction in a world of low returns. mark for My Articles similar articles
Registered Rep.
May 1, 2012
Diana Britton
Annuities: Growing Pains Since the beginning of 2011, three insurance carriers -- Sun Life Financial, Genworth Financial and, most recently, The Hartford -- have exited the annuity business altogether. mark for My Articles similar articles
Registered Rep.
September 1, 2005
Chris O'Leary
The Trouble With Annuities For registered reps, annuities, one of the most lucrative and complex items in an advisor's repertoire, can appear to be a cure-all for clients. Clients seem to love them, because of the guaranteed income -- even if they don't understand them. mark for My Articles similar articles
Financial Planning
December 1, 2012
Frank O'Connor
Acting to Reduce Risk for Variable Annuities Sector Many variable annuity issuers made changes to older products or introduced new ones. mark for My Articles similar articles
Financial Advisor
September 2007
Alan Lavine
Looking For Certainty Sponsors of 401(k) and 403(b) plans want employees to draw a stable source of retirement income from them. But it's a daunting task to manage a portfolio of mutual funds while withdrawing money, based on government-mandated minimum distribution rules. A few plan sponsors already have begun adding income replacement funds to solve this problem. mark for My Articles similar articles
Registered Rep.
November 15, 2011
Alan Lavine
A Good Marriage: Life Insurance and Annuities What do you get when you splice together a life insurance policy and an immediate annuity? A reversionary annuity. Yes, that's a mouthful, but it carries some of the advantages of each and is ideal for certain kinds of clients. mark for My Articles similar articles
Financial Planning
February 1, 2007
Donald Jay Korn
New-Wave Annuities From reduced-risk participation in the stock market to longevity insurance, financial planners have an expanding array of annuities to meet client needs. mark for My Articles similar articles
The Motley Fool
July 25, 2007
Buz Livingston
Beware of Brokers Bearing Annuities Be careful, be very careful, when listening to sales pitches from insurance agents promoting retirement planning. Big commissions and poor performance can cost you. mark for My Articles similar articles
Registered Rep.
October 1, 2002
Pamela J. Black
The Pros and Cons of Annuities With retirement accounts battered by the bear market, guaranteed income from a fixed annuity now has more appeal, especially for clients who may be too close to retirement to count on a rebound from equity markets alone. This article surveys types of annuities, tax implications, and fees. mark for My Articles similar articles
Financial Planning
March 1, 2006
Frank O'Connor
Holding Steady Variable annuity sales remained high for the traditionally weak third quarter. mark for My Articles similar articles
Financial Planning
February 1, 2006
Patrick Ferrer
Annuities Special: Fee Factor When your clients buy annuities, do you really know what they're paying for? mark for My Articles similar articles
Financial Planning
May 1, 2008
Bob Veres
Cheerleaders in Lab Coats Every few years, it seems like the marketplace produces a "study" of variable annuities that makes the product look too good to be true. The latest is from Ibbotson Associates. mark for My Articles similar articles
Registered Rep.
April 7, 2009
Christina Mucciolo
Big Changes to Variable Annuities Here and More on the Way Advisors who use VAs are already scrambling to get acquainted with the new products and are ramping up due diligence to greet a new era in the "living benefit" product space. mark for My Articles similar articles
Financial Advisor
August 2010
Alan Lavine
A Good Fit Immediate annuities fit well in retirement income plans. mark for My Articles similar articles
Financial Planning
June 1, 2006
Frank O'Connor
A Slow Ascent Variable annuity sales for 2005 managed to beat sales for 2004, but not by much. mark for My Articles similar articles
The Motley Fool
October 9, 2009
Dan Caplinger
This Much-Hated Investment Could Actually Help You Few investments inspire such devotion and scorn as annuities. mark for My Articles similar articles
Registered Rep.
May 18, 2010
Alan Lavine
No-Load Annuities Gain Momentum As more wirehouse registered reps join RIAs or start their own, as income tax rates rise, and as Baby Boomers continue their march into retirement, expect investments in no-load variable annuities to grow. mark for My Articles similar articles
Financial Planning Letters to the Editor Response to "Cheerleaders in Lab Coats." mark for My Articles similar articles
Financial Planning
December 1, 2007
Ilana Polyak
Annuities, Revisited Financial advisors who once sneered at annuities are now realizing that they could be a magic bullet. mark for My Articles similar articles
The Motley Fool
May 27, 2009
Dan Caplinger
Don't Pay Too Much for This Investment When it comes to guaranteed variable annuities, buyers are paying more for protection than they did in recent years -- even though the market has already dropped substantially. mark for My Articles similar articles
Financial Advisor
May 2012
Alan Lavine
Sudden Impact How can advisors minimize the effect of large losses in a retirement portfolio just when clients want to begin withdrawals? mark for My Articles similar articles
The Motley Fool
March 10, 2011
Dan Caplinger
How Skittish Investors Can Protect Their Money You can lock in a sure thing with just two investments. mark for My Articles similar articles
Financial Planning
April 1, 2005
Rick Carey
Going for GMWB Guaranteed minimum withdrawal benefits for life drove variable annuities in 2004--and will again. mark for My Articles similar articles