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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.
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.
Financial Planning March 1, 2012 Frank O'Connor	Solid Footing New sales of variable annuities held steady in the third quarter, totaling $38.5 billion vs. $39.4 billion in the second quarter and $33.8 billion in the third quarter of 2010.
Financial Advisor July 2011 Gail Liberm	Aiming For Advisors New annuity products and platforms are being designed to appeal to fee-only advisors.
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.
Financial Planning December 1, 2011 Frank O'Connor	Momentum Builder Variable annuity sales gathered steam in the second quarter. New sales of $39.4 billion drove year-to-date sales to $78.2 billion, a 19.2% increase over the $65.6 billion in first-half 2010 sales and 27.1% higher than the $61.5 billion sold during the same period in 2009.
Financial Planning April 1, 2013 John McCarthy	Variable Annuities Sliding As carriers move to adjust risk, sales taper off after three straight years of growth.
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?
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.
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.
Financial Planning September 1, 2011 Frank O'Connor	Asset Magnet Variable annuities continued to show strength in the first quarter with new sales of $38.7 billion, a 23.2% increase over the year-ago quarter's total of $31.4 billion.
Financial Planning June 1, 2012 O'Connor & McCarthy	Making Adjustments 2012 started out about average for variable annuity issuers in terms of SEC filing activity, with a total of 59 annuity product changes in the first quarter com pared with 130 filings in the fourth quarter of 2011 and 49 in the first quarter of last year.
Financial Planning December 1, 2010 Marco Chmura	An Upward Swing Prudential continued to lead the way as the top seller of variable annuities with $5.3 billion in second-quarter sales and a 15.7% market share.
Financial Planning September 1, 2009 Frank O'Connor	Change Has Come New sales of variable annuities declined even further in the first quarter of 2009. Assets under management also declined.
Financial Planning June 1, 2010 Frank O'Connor	A New Dynamic Variable annuity sales fell in 2009 as incentives to stay put in existing contracts choked off exchange growth.
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.
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.
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.
BusinessWeek June 23, 2011 Margaret Collins	Variable Annuities: Lifelong Income, High Cost Guarantees make annuities more appealing - and more complex.
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?
Financial Planning December 1, 2009 Frank O'Connor	Defining Factors New sales of variable annuities recovered moderately in the second quarter. The improvement was far from broad-based, with some companies showing large declines from the first quarter and others posting significant increases.
Financial Planning December 1, 2006 Frank O'Connor, Morningstar	Wanted: Income Protection Variable annuity sales continue their dramatic rise, as investors embrace the coupling of market participation with protection from downside risk.
Financial Planning April 1, 2005 Rick Carey	Going for GMWB Guaranteed minimum withdrawal benefits for life drove variable annuities in 2004--and will again.
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.
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.
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.
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.
Financial Planning October 1, 2006 Frank O'Connor	Reference for Riders Variable annuities now come with a slew of optional riders to choose from. Here's what you should consider.
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.
Financial Advisor June 2012 Alan Lavine	Tough Business Major players exit variable annuities, but VA sales are up overall.
Financial Advisor August 2010 Alan Lavine	A Good Fit Immediate annuities fit well in retirement income plans.
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.
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.
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.
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.
Registered Rep. November 16, 2010 Alan Lavine	Growth Opportunities: Immediate Annuities And Qualified Retirement Plans There's a window of opportunity for financial advisors to build business: They can use annuities available in 401k plans to help workers with their post-retirement income.
Financial Planning March 1, 2011 Frank O'Connor	Encouraging Signs New variable annuity sales slipped slightly in the third quarter of 2010, to $33.6 billion from $33.9 billion in the second quarter, but they were still up 9.9% from the $30.6 billion in the third quarter of 2009.
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.
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.
Financial Planning June 1, 2011 Frank O'Connor	Hitting the High Notes Variable annuities ended 2010 on a strong note by virtually all measures.
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.
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.
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.
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.
Financial Planning July 1, 2005 Rick Carey	The Downward Trend Continues The net flow of cash into variable annuities plummeted this quarter, to a level not seen in years.
CFO March 1, 2007 Marie Leone	Beware the Fine Print Despite some welcome improvements, variable annuities still scream ''caveat emptor.''
Registered Rep. June 17, 2014 Alan Lavine	Who Should Buy an Income Annuity? Pre-retirees looking to secure future income might be attracted to deferred income annuities, and indeed sales of the policies are accelerating.
Financial Planning September 1, 2007 Frank O'Connor	Gaining Ground Variable annuity sales are up, but are the total sales numbers misleading?
Financial Advisor November 2011 Alan Lavine	Finding A Floor Annuities gain traction in a world of low returns.
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.