Variable Annuities Riders

Mark Cortazzo In The Market For Variable Annuities: An ...
So you’re saying that variable annuities and their riders are still too complicated, and that they demand more due diligence than most advisors can afford to give them? Mark: With a lot of these products, the company can change the terms after you ... Access Doc

Venture Vision AAA A++ AA+ Aa2 - Home - Merrill Corporation
Venture Annuities and the optional riders are not available in all states; product features may vary, provided by Venture Variable Annuities and any applicable optional riders, but not specifically to the products, the performance (return) ... Read More

Choose The Most Appropriate Annuity Features
Living Benefits, Today’s “Hot Feature” in Variable Annuities Guaranteed Withdrawal Benefits for Life (GWBL) riders allow customers to make annual withdrawals, the percentage for which is set at the age at first withdrawal. In an ... Get Doc

Fixed Indexed Annuity - Westland, Inc
Variable Annuities. These riders have a cost and I don’t like to use them without creating a real income plan for the client, but they can be very useful in many situations. In addition, the income riders available with indexed annuities, often ... Retrieve Doc

MEMBERS Landmark SM Variable Annuity
MEMBERS® Variable Annuities are offered through licensed investment and additional riders. You can choose to protect: • Assets you hope to pass on to loved ones • Value of your premium payments, even if markets should decline ... Access Full Source

USE CAUTION IF EXCHANGING VARIABLE ANNUITIES
Percent of gross sales for variable annuities in 2003 came from exchanges rather than brand new sales—versus only 15 percent in 1996. (total expenses with added riders can easily run 2.5 percent to 3 percent). You may want to move ... View This Document

Withdrawal Request For Variable Annuities
Withdrawal Request for Variable Annuities For standard mail delivery: Sun Life Financial P.O. Box 9133 Wellesley Hills, MA 02481 Phone: (800) 752-7215 For Income ON Demand® Riders ONLY 3. Withdraw the entire Stored Income Balance* ... Retrieve Content

Massachusetts Mutual Life Insurance Company
These riders included a maximum GMIB value or "cap" that limited the amount to which the GMIB value could increase. variable annuities, which is filed with the Financial Industry Regulatory Authority ("Finra") before distribution. 3 ... Access Full Source

Phoenix Fixed Annuities And Living Benefit Riders ...
Phoenix Fixed Annuities and Living Benefit Riders: Availability by State NY and PHL Variable Insurance Company (PHLVIC), Hartford, CT. PHLVIC is not licensed to conduct business in New York and Maine. ... Access This Document

Guaranteed Income Benefits (income For Life) Variable ...
Variable annuities, such as a stepped-up death benefit, a guaranteed minimum income benefit, or long-term care insurance, often carry additional fees and GIB riders are useful for annuitants who want certainty in their lives. Even if ... Access Doc

Variable Annuities - SIAS
Variable annuities (“VA”) have sold extensively in the United States and parts of Asia. Now many multi-national companies have are launching variable annuity programs across Europe. returns and introduction of living benefit riders ... Doc Retrieval

An Overview Of Variable Annuities
Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if you withdraw your money early. when adding such riders to your contract. Read the prospectus carefully with regard to the ... Fetch Content

Understanding Variable Annuities
Variable annuities are generally not suitable for meeting short-term liquidity needs as the additional cost of unexercised protection when adding such riders to your contract. Read the prospectus carefully with regard to the benefits you elect. ... Retrieve Document

RiverSource Signature Select Variable Annuity
VARIABLE ANNUITIES: Variable annuities are long-term investment vehicles designed to help meet your retirement goals. These riders are available when you purchase your variable annuity to provide you with guarantees and additional flexibility. ... Access This Document

The Impact Of Stochastic Volatility On Pricing, Hedging, And ...
There are several types of guarantee riders that come with Variable Annuities, including so-called guaranteed minimum death benefits (GMDB) as well as guaranteed minimum living benefits, which can be categorized in three main subcategories: guaranteed minimum ... Access Full Source

AAA Venture III VentureIII - Home - Merrill Corporation
Venture Annuities and the optional riders are not available in all states; product features may vary, provided by Venture Variable Annuities and any applicable optional riders, but not specifically to the products, the performance (return) ... Get Content Here

Variable Annuities Brunner Krayzler - Risklab
The Variable Annuities Dilemma: How to redesign hedging strategies without deterring rising demand. Dr. Bernhard Brunner | Senior Vice President Mikhail Krayzler | Analyst September 2009 . benefit riders (see Figure 1). Working Paper page 5 ... Return Doc

A Holistic Approach To Managing VA Presentation To AIG-MRM
Managing the Risk of Variable Annuities: a Decomposition Methodology Presentation to the Commercialization Innovations and new product designs as riders to variable annuities Importance of identifying the investment process Price discovery process and completing the market Using the ... Fetch Here