Annuities

Private Placement Variable Annuities

Mon, 17 Dec 2012 14:53:00 +0000

A powerful tool to address income tax planning uses for high-net-worth individuals

Edward J. Finley II & Michael Liebeskind discuss this potentially powerful tax planning tool

Insuring Income

Mon, 17 Sep 2012 20:26:00 +0000

Buying protection for a client's retirement income can be overwhelming. Should you choose a variable annuity with a lifetime income rider? Or an immediate annuity? Here's how to wrap your head around the answer.

Last Ones Standing: As VA Providers Bow Out, Others Pick Up Market Share

Thu, 16 Aug 2012 17:29:00 +0000

Some insurance carriers have bowed out of the VA business or scaled back their distribution. Who gets that business? The only ones left standing…

Yield of Dreams

How to Correctly Determine Annuity’s Present Value

Thu, 21 Jun 2012 19:02:00 +0000

Avoid a common error when using IRS actuarial tables

Michael J. Jones, partner at Monterey, Calif.’s Thompson Jones LLP clarifies that practitioners must use nearest age, not attained age, when determining the present value of an annuity, an interest for life or for a term of years or a remainder or a reversionary interest

A Reliable Income Stream

Fri, 01 Jun 2012 15:41:00 +0000

Now’s the time to start discussing annuities for retirement planning with your client

Lena Rizkallah and John Koehler show you why annuities are uniquely suited to address the concerns that come with retirement planning

Alternatives Going Mainstream

Fri, 01 Jun 2012 13:00:00 +0000

The very term is becoming something of a misnomer.

Despite Hartford, VA Subadvisors Sitting Pretty

Wed, 30 May 2012 15:03:00 +0000

Despite the fact that several insurers have exited the annuity business in recent years, variable annuities are expected to be the fastest growing segment for subadvisors in the years ahead.

Yield of Dreams

Another Reason for Annuities in 401(K) Plans?

Fri, 04 May 2012 13:33:00 +0000

An economics professor looks at the degenerative mental capacity of the elderly to show annuities belong in 401(k) plans.

Stock Symbols: BLK

Annuities: Growing Pains

Thu, 03 May 2012 18:26:00 +0000

Fewer players, less attractive guarantees and a glut of complex features make annuities a tougher sell these days, but some say they're still the best game in town when it comes to income.

Back before the Great Recession kicked off in 2008, Mark Cortazzo, senior partner with Parsippany, N.J.-based Macro Consulting Group, was pouring income-seeking clients into variable annuities, allocating 75 percent or more of such clients' portfolios to them. After all, the deals were pretty rich. In those days, he could get a 6 percent guarantee on assets invested.

“In '06 and '07, the insurance companies were giving away the farm,” he says.

A Good Marriage: Life Insurance and Annuities

Thu, 01 Dec 2011 17:00:00 +0000

Alan Lavine

This niche combo product provides guaranteed lifetime income to the beneficiary. It's a great option for clients with poor performing universal life and can be used in prenuptial or buy-sell agreements, and for fulfilling alimony payments.