More in Annuities

Nov. 15, 2011

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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....More
Sep. 1, 2011

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Income Fever

The market has been flooded with new retirement income products, but are advisors and plan sponsors buying in?...More
Sep. 1, 2011

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Insurers Offer New Products, Juicy Benefits 1

Shorter durations, payment postponements are lowering costs....More
Sep. 1, 2011

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Reassessing Long-Term Care Insurance

Few clients have it, but many could use it. It's up to you to help them properly evaluate the costs and benefits....More
Jul. 1, 2011

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Annuity Sales Set to Grow

Just a small segment of the advisor industry accounts for most of the sales of variable annuities in the U.S., so for insurers who are concerned about the long-term growth of the industry, getting more advisors on board to peddle their products is critical...More
Sep. 1, 2010

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Little Love For VAs At RIAs 1

Variable annuities seem to be loved by financial advisors everywhere except in the RIA world....More
May 1, 2010

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Playing it Safe With Annuities

Often criticized for their high fees and their complexities, annuities are drawing renewed interest from investors who want security in the wake of the recent financial collapse....More
Apr. 8, 2010

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Investors Don’t Understand Retirement Income

Providers of income securities for retirees and those close to retiring may have their work cut out for them, according to new findings by Cogent Research....More
Dec. 1, 2009

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Insurance, Bandaid For Bad Markets

Advisors are finding that interest in investment protection needs has rocketed among clients....More
Oct. 1, 2009

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LONG TERM CARE ANNUITIES GET A BREAK

Sales of long-term care annuities, a kind of insurance against long-term care, have been declining this year. But industry watchers expect that trend...More
Aug. 1, 2009

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Banking on Insurance

Large banks get more income from insurance business in 2008...More
May 1, 2009

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Life Insurance: The Next Big Blow Up?

Life insurers have watched their investment portfolios tank, their variable annuity business bleed cash, and many of them are being downgraded by the credit ratings agencies for the first time in years...More
May 1, 2009

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Variable Annuities Overhaul

Insurance companies are cutting benefits and hiking fees as their investment portfolios shrink...More
Jun. 26, 2008

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Insure This: Getting Your Hedge Fund Tax-Free

If you are like most financial advisors, you probably don’t know a thing about private placement life insurance. But maybe you should. A growing number of ultra-wealthy investors are using it as a legal means to avoid paying income taxes on their gains in hedge funds—and other alternative investments....More
Feb. 20, 2008

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Banking On Annuity Fees

For the first time ever, bank holding companies (BHC) were required by the federal government to report annuity fees and commissions—and it turns out Wachovia earned more than any other BHC....More
Feb. 1, 2007

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Guaranteed—For Life

Variable-annuity sales are booming the National Association for Variable Annuities (NAVA) estimates they will surpass $150 billion for 2006, up 33 percent versus the previous year....More
Sep. 1, 2006

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The Defensive Sale

What happens if you make an unsuitable variable-annuity sale, or simply fail to dot all your i's and cross all your t's in implementing the sale? That depends...More
Jul. 1, 2006

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Getting Real With Numbers

Simple ways to calculate true savings and investing records for education, retirement, and life insurance...More
Jul. 1, 2006

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In Search of Guarantees

Clients are turning to whole and universal life insurance policies to lock in benefits...More
Jun. 1, 2006

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Door Opener

Sometimes it's the little things that matter. Sherry Hoffman, owner of the Hoffman Agency, a multiline agency in Ballston Spa, N.Y., uses auto insurance as her ticket to IRA rollovers....More
Jun. 1, 2006

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Premium Option

Advisors with clients that are interested in life insurance can offer a choice other than the usual term or permanent policies...More
May 1, 2006

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Looking At Long-Term Care

For advisors who haven't considered long-term care insurance for their clients, now might be a good time to take a look....More
May 1, 2006

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Addition by Division

Providing clients going through a divorce with the right insurance can put spouses in a better frame of mind and business in an advisor's book...More
Apr. 1, 2006

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Scary Story

Advisors need to pay closer attention to their errors and omissions insurance than they generally do, or risk suffering the consequences...More
Feb. 1, 2006

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The Four Win Strategy

A growing number of Americans are saving more money than they're likely to spend in their lifetimes. For advisors, it's a good time to talk to such clients...More