October 24, 2018

Managing Risk with Fixed-Indexed Annuities

Wade D. Pfau, Ph.D., CFA The role of fixed index annuities in the pre-retirement years. The United States has experienced a low interest rate environment in recent years, leading to lower returns for fixed income assets. This creates unique challenges for those approaching retirement, as the practical impact of low interest rates is an increase… Read More

October 15, 2018

How to “Pensionize” any IRA 401(k)

Steve Vernon, FSA, Research ScholarStanford Center on Longevity When replacing defined benefit plans with defined contribution plans, it may not have been a good idea to ask ordinary workers to be their own investment manager and actuary. How will ordinary workers retire in a defined contribution (DC) world? How do they decide if they have… Read More

September 26, 2018

John Hancock Leaves Traditional Life Insurance Model Behind to Incentivize Longer, Healthier Lives

– 156-Year Old Insurance Company Doubles Down on Vitality’s Health and Wellness Platform – CEO Harrison: “We are proud to become the only U.S. life insurance company to fully embrace behavioral-based wellness.” BOSTON, Sept. 19, 2018 /PRNewswire/ — Starting today, in a departure from the traditional life insurance business model, all John Hancock life insurance policies will come with Vitality… Read More

September 12, 2018

For Clients’ Sake, Take Control

If there is one singular lesson I have learned from 45 years in the insurance and financial advice business, it is to motivate the public to buy insurance when they least desire it. Insurance carriers are in the business to manage risk. Buyers of coverage need to purchase coverage when the perceived risk is minimal…. Read More

June 8, 2018

6 Questions for Sheryl Moore, a Life and Annuity Tracking Rockstar

Here are 3 things Sheryl Moore watches for as clues about what will happen to index life and annuity products. She wonders how a salesperson can actually identify the best annuity for the client. ThinkAdvisor | May 28, 2018  |  by Maria Wood  | read the online version of this article As president and chief executive officer… Read More

March 14, 2018

Ibbotson: Fixed Indexed Annuities Beat Out Bonds

In his latest research, economist Roger Ibbotson argues that fixed indexed annuities have the potential to outperform bonds in the near future and smooth the return pattern of a portfolio. (WealthManagement.com) Diana Britton | Mar 07, 2018  |  read the online version of this article Advisors have long had a love/hate relationship with annuities. But with bond… Read More

February 19, 2018

Annuities are the cure for a risk-infected retirement

Successful salespeople do not see themselves as “salespeople,” nor do they act like them. Instead, they believe they are experts who take a consultative role with their customers. They understand who their customers are and what they want and need. They have an expert level of knowledge of their products and services and know how… Read More

December 12, 2017

The Rise of the Volatility-Controlled Annuity

ThinkAdvisor by Chris Conklin A look at a different way to manage investment risk: The appeal of an indexed annuity is that it is a savings vehicle which credits interest based on an index, such as that of a stock market. At the end of a contract year, if the index has increased, some or… Read More

November 28, 2017

Delay of DOL fiduciary rule enforcement mechanisms now final

InvestmentNews by Mark Schoeff, Jr. The Department of Labor released a final rule Monday that would delay implementation of the enforcement mechanisms of its fiduciary duty regulation until the middle of 2019. The rule would postpone from Jan. 1, 2018, to July 1, 2019, the applicability of a legally binding contract between brokers and retirement-account clients that requires brokers… Read More

November 22, 2017

Help Millennials Understand, and Use, the New Life Options

Although millennials may not exactly fit what we think of as a traditional customer for life insurance coverage, they’re known for being financially savvy and having an interest in protecting their financial future — two attributes that lend themselves to receiving sound financial guidance. Read the rest of the article here. This is an excerpt from an article written… Read More