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In part four of our series, we look at how market conditions affect variable annuities. VAs may appear, on paper, to be a win-win, but the reality is more nuanced.
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Glenn Daily, insurance expert and variable annuity dissenter, says the complexity of these products’ guaranteed benefits is beyond most advisors’ ability to assess.
Properly assessing the viability of a variable annuity for a particular client entails considerably more than just adding it alongside a standard model portfolio.
ETFs could help solve the high costs that dog variable annuities.
Clients who purchased VAs with lifetime guarantees need to stay alert: nervous insurance companies issuing these guarantees may soon seek substantial modifications to outstanding contracts.
To understand how VAs differ and where they fit in a client’s portfolio, first understand their common traits, like how a guaranteed withdrawal rate actually works.
Nationwide is the latest company to join an industry push to convince advisors that their concerns with VAs have been addressed.
Now that VAs face suitability requirements, is life insurance far behind?