Insights May 2010 - Captive Insurance | ART | RRG News ...
Immediate annuities and 250bps for other US contracts, unadjusted for other businesses Liquidity premium = max [0, 50% * (Spread – 40 bps)] The Spread used above is based on corporate bond indices relative to swaps. The draft QIS5 liquidity ... Content Retrieval
Commutation On Life Income Payments - CPS Insurance
Individual Annuities 1100 SW Sixth Avenue Portland OR 97204 800.247.6888 www.standard.com A subsidiary of StanCorp Financial Group, Inc. 13020 (09/06) Commutation on Life Income Payments between premium deposit and exercise of the commutation feature. ... Document Retrieval
Immediate Annuities And Retirement Income Portfolios
Immediate Annuities and Retirement Income Portfolios Timothy E. Hill and Susan J. Sell 2 The study assumed that retirement-income was funded via a single premium immediate annuity (SPIA) liquidity requirement was defined in terms of a minimum mutual-fund balance at the end of each year ... Retrieve Doc
Variable Annuities
Liquidity: How liquid your money is means how readily you can transfer from one fund to another or take money out for use. Not all annuities provide an enhanced death benefit. 10. Know your salesperson: Do not do business with anyone who tries to ... Get Document
UNDERSTANDING FIXED INDEXED ANNUITIES
The annuity’s premium payment is protected and does not fluctuate with changes in the value of the index to which it is linked. Liquidity: Many Fixed Indexed Annuities provide contractholders with penalty-free access to their money should ... Get Doc
Fixed Annuities - JM GetMoore Insurance & Financial Services
IMMEDIATE ANNUITIES Ultra-Income Single Premium Immediate Annuity Income Access Single Premium Immediate Annuity »Guaranteed fixed lifetime income MINIMUM LIQUIDITY WAIVERS OF WITHDRAWAL CHARGES* »Guaranteed fixed lifetime income »Supplement to retirement income ... Fetch Doc
WHAT ARE ANNUITIES BROCHURE 4X8.5
Wide variety of premium options, payment options, liquidity features, surrender penalty schedules, and interest rates. THE FACTS Each Premium Payment (on Flexible Annuities)? Extended Care Benefit? Variety of Payout Options Available During the Life ... Retrieve Doc
Annuities: Beyond The Sales Pitch - Glenn S. Daily - Fee-only ...
Premium limitations (minimum, maximum, single vs. flexible) Age limitations (purchase, annuitization) Interest rate (nonguaranteed, guaranteed, bonus) Guarantee period Milevsky and T. Salisbury, “The Liquidity Premium for Illiquid Annuities ... Access Doc
Premium deferred annuities, putable funding agreements or GICs are subject to stress liquidity events. For this reason, A.M. Best monitors a company’s issuance of institutional Liquidity factors also are applied to the major liability items used in A.M. Best’s model. ... Access Doc
Annuity Product Portfolio
Single Premium Immediate Annuities (SPIA) Deferred Annuities AM Best SPIA with Liquidity Option Multi-Year Guarantee (MYG) Fixed Indexed American National Genworth² Lincoln Benefit Life Lincoln ... Visit Document
The MassMutual Single Premium Immediate Annuity (SPIA ...
14 | Liquidity 17 | Accessibility 21 | Legacy. 3 As 60,000 Baby Boomers per week move into Single Premium Immediate Annuities (SPIAs) are insurance contracts that guarantee fixed payments for the life or lives of the annuitant(s) or for ... Doc Viewer
Insights - Financial Risk Management Solutions | Home ...
The liquidity premium is not as simple as comparing two prices. In our recent research report 3 we considered three different methods to estimate it: 1. See Liquidity premium: myth or reality? (e.g. annuities) it is fairly obvious how to apply it - ... View Doc
Task Force Report On The liquidity premium
Liquidity premium in the calculation of liabilities with the Level 1 text2. The EC representative confirms however that the notion of relevant risk free characteristics can only be found in portfolios of annuities in force. ... Retrieve Doc
Annuities & Insurance Strategies
• Difference of premium to fixed/variable return investments —Tax-deferred Benefit —Benefits are permanent, but premiums could end —Liquidity/Penalties? Annuities Variable Annuities Risk Mitigation: —Higher Equity Asset Allocation (market risk) ... Fetch This Document
QIS 5 Technical Specification Risk-free Interest Rates
Just immediate annuities in payment at the point of Solvency II implementation. Liquidity premium term structure in per annum bps relative to swaps less 10bps: Currency Liquidity Premium (bps) Liquidity premium 31/12/08 31/12/09 cut-off (Term) ... View This Document
The Lafayette Life Insurance Company
Annuities Flexible Premium Deferred Annuities. Four Products Liquidity Options ... Document Retrieval
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