Indexed Annuities Sec

FINRA Investor Alert: Should You Exchange Your Variable Annuity?
Insurance products are regulated by the SEC and FINRA. Equity-indexed annuities (EIAs) have characteristics of both fixed and variable annuities. Their return varies more than a fixed annuity, but not as much as a variable annuity. So EIAs give you ... Document Retrieval

Financial Services Compliance & Regulatory Focus
Equity-Indexed Annuities On December 17, 2008, the SEC approved a Rule that establishes standards for determining whether equity-indexed annuities are subject to securities indexed annuities are considered not to be annuity contracts under the securities ... Access Doc

NATIONAL ASSOCIATION FOR FIXED ANNUITIES WHITE PAPER ON FIXED ...
Fixed indexed annuities provide a dollar amount of death benefit equal to total purchase payments less expenses and withdrawals. The SEC regulates variable annuities and variable life insurance as a result of the following. ... Read Content

Tax-Sheltered Retirement Plans - Welcome To Utah State University
(SEC) Equity Indexed Annuities Complicated investment for sophisticated investors Minimum guaranteed return Rate of return on your investment is based on an underlying index such as the S&P 500 One of the most confusing features of an EIA is the method used to calculate the gain in the ... Fetch Content

BNA, INC. SECURITIES REGULATION & LAW - Sutherland
14 Fixed Indexed Annuities and Insurance Product Classifi-cation Act, H.R. 2733, 111th Cong. (2009), and S. 1389, 111th Cong. (2009). In addition to meeting nonforfeiture standards, SEC used this requirement to distinguish ‘qualifying ... Visit Document

TALKING POINTS ASK YOUR REPRSENTATIVE TO CO-SPONSOR THE ...
- 1 - Doc# 2911465\1 TALKING POINTS ASK YOUR REPRSENTATIVE TO CO-SPONSOR THE “INDEXED ANNUITIES AND INSURANCE PRODUCTS ACT OF 2009” I am calling today to ask that you consider becoming a cosponsor of important legislation – being ... View Document

Harkin Amendment Welcome Relief For ROBERT M. ELCONIN Fixed ...
Equity indexed annuities—later to be known as fixed indexed annuities or FIAs—were first introduced around 1995. What began as a novel product soon caught Exchange Commission (SEC) Rule 151 safe harbor which said annuities escape securi- ... Read Document

By Email: Rule-comment@sec - North American Securities ...
Elderly are all too often the victims of fraud through the sale of variable and equity-indexed annuities. At the SEC’s first Senior Summit in July 2006, then-NASAA President Patty Struck shared state enforcement statistics indicating that “unregistered securities, variable annuities, and ... Retrieve Here

Important Information About Your Annuity Investment June 2011
Securities and are not regulated by the SEC. Equity-indexed annuities combine features of traditional insurance products (guaranteed minimum return) and traditional securities (return linked to equity markets). Depending on the mix of features, an ... Fetch This Document

The Difference Between Investing And Income Planning
If you were given false information, when would you want to know about it? If the consequence was whether or not you would run out of money in retirement, it’s not even a question; you would want to know immediately. ... Read News

Wall Street Sees The Light On Indexed Annuities
Wall Street Sees the Light on Indexed Annuities how bad index annuities were. The result was SEC Rule 151A, which would have killed index annuities. However, the annuity industry finally rallied and managed to kill the rule instead; ... Read Here

Uncertainty Reigns: The Status Of Indexed Universal Life ...
Although the SEC did not include mortality risk assumption as a separate element of Rule 151, the ance and indexed annuities share certain features ( e.g., securities-linked returns). 6 It is the second sentence that has created uncer- ... Access Full Source

Annuity Class Action Litigation—Trends And Strategies For ...
SEC a. Variable annuities are considered securities and are regulated by the SEC. b. Rule 151(a), 17 C.F.R. §230.151A, would regulate equity indexed annuities as securities indexed annuities to seniors under circumstances in which other investments would have ... Retrieve Content

Lincoln Financial Group Responds To Advisor And Consumer Needs With Innovative Life Insurance Product Tied To 10-Year ...
RADNOR, Pa., March 5, 2013 /PRNewswire/ -- Lincoln Financial Group (NYSE: LNC) today announced the introduction of its Lincoln Treasury Indexed Universal Life (IUL) solution designed to capture the benefits ... Read News

That’s what we call a credibility killer – if the SEC’s opinion on indexed annuities ever mattered to you before, it shouldn’t any longer. Look, the point is that when you read or hear a criticism of annuities, you shouldn’t ... Read Document

Bibliography - Life Insurance - Annuities
SEC Regulation of Indexed Annuities, Melissa Beck, Mondaq Business Briefing, 12/22/08 Business Briefing, Indexed Annuity Carriers Plan for Implementation, Fight New SEC Rule, Sean P. Carr, Best’s Insurance News, 12/22//08 ... View Doc

Phoenix Index Select Indexed Annuities - Providing Top Life ...
Phoenix Index Select® Indexed Annuities Rates for new contracts effective: (Segregated Asset Account) are not registered with or reviewed by the SEC in reliance on exemptions under Federal Securities Law. “Dow Jones” ... Document Retrieval

A NaturalHedgefor Equity IndexedAnnuities
Equity Indexed Annuities (EIA) are customized investment products sold by insurance companies to provide savings and insurance benefits. SEC/NASD (2004): “On Examination Findings Regarding Broker-Dealer Sales Of Vari- ... Fetch Content

Annuities - The Colorado Bar
Annuities are securities regulated by the SEC. Equity-indexed annuities combine features of traditional insurance products (guaranteed minimum return) and traditional securities (return linked to equity markets). Depending on the mix of features, an equity-indexed ... Access Document