Product Analytics

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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…

A Golden Nugget for Annuity Taxation

By Steve Cox (Life Innovators) and Ramona Neal (Living Benefit Review) As an annuity producer, you are likely well-versed in annuity taxation. Even so, there’s a hidden gem in the tax code which is often overlooked that you can add…

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The Edge on Premium Bonuses

Settling the debate on premium bonuses, once and for all This content is for subscribers to The Annuity Edge. Ready to get the Edge? Join here.

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Engineered Indices & FIA

Engineered Indices & FIA A longer-form version of this post was originally published to The Life Product Review. If you’ve been even casually watching the Indexed UL landscape over the past 5 years or so, then you’re probably well aware of…

Valuation Rates and MYGAs

There is no question that the insurance industry has been buoyed by the recent period of rising interest rates precipitated by the Federal Reserve’s increases to the Federal Funds rate. Corporate bond yields have also increased significantly since the beginning…

Maximize Equity Exposure Within FIA Indices

A Dismal 2022 For The Markets Now that the dust has settled, one thing is for certain – 2022 was a brutal year for investors. According to Blackrock, it was the worst year ever for bonds and the 7th worst year for stocks…

What The Future Holds For FIA Renewal Rates

Introduction The current offered rates for fixed and indexed annuities are the highest the industry has seen in years. Both the equity and bond markets have been pummeled this year. As a result, consumers are on a flight to safety.…

Index Pricing Series – Part 3

In Part 1, we went through what an option is, how is an options budget determined by a carrier, and how the options budget translate to the rates offered by a carrier based on the current market price for options.…

Index Pricing [Part 2]: Cap Rates vs Participation Rates

Index Pricing [Part 2]: Cap Rates vs Participation Rates This content is for subscribers to The Annuity Edge. Ready to get the Edge? Join here.

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Fixed Indexed Annuity Pricing – Part 1

If you’re a wholesaler, marketer or agent, have you ever been asked — how exactly do insurance companies come up with the rates on the indexed annuities they offer? The Fed keeps raising interest rates, and they’re slated to raise…

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