Pricing
MYGIA Madness: The Next Cinderella Story?
Multi-Year Guaranteed Annuities (MYGAs) and Fixed Indexed Annuities (FIAs) are the Blue Bloods of the Annuity Market. But are we in the early chapters of the next Cinderella Story? Meet the Multi-Year Guaranteed Indexed Annuity (MYGIA).
Understanding MVA
MVAs are a prevalent feature on modern annuity products, yet they often confuse both advisors and consumers due to their impact on surrender values. Many struggle to distinguish MVAs from traditional surrender charges, leading to misconceptions about their role in…
Caps and Triggers and Pars – Oh, My!
Policyholders that employ fixed indexed annuities (FIAs) as part of their retirement strategy are staunch believers of the balance FIAs strike between upside potential and principal protection. And as tax-advantaged assets with crediting features that track well-known market indices, FIAs…
The Dynamics of Annuity Bailouts
Bailout! How long will the high rates on deferred annuities last? With some current market rates as high as 10 times the guaranteed rates on annuity contracts, advisors and consumers are basking in the glow of these promising numbers. Many…
