Annuities Are Not Securities

Variable Annuity - How To Understand The Variable Annuity
Fixed annuities offer a predetermined return. There’s no way of knowing for sure what a variable annuity will return. Why Would One Use a Variable Annuity? The first question to ask is if you should be using an annuity of any sort. ... Read Article

FITTING VARIABLE LIFE INSURANCE AND VARIABLE ANNUITIES INTO ...
1 For a general overview of how variable contracts operate under federal securities and tax laws and regulations, see Frederick R. Bellamy & Steven B. Boehm, The Investment Company ... Read Here

Annuities
Annuities have surrender or withdrawal charges to discourage people from taking money from an annuity or ending have passed a securities examination to be a Registered Representative, and be affiliated with a broker/dealer that is a Financial Industry Regulatory Authority (FINRA) member. ... View This Document

Nancy M. Morris, Secretary 100 F Street, NE
Securities and Exchange Commission 100 F Street, NE Washington, DC 20549-9303 Via Electronic Mail: rule-comments@sec.gov disadvantage by imposing requirements on variable annuities that are not imposed on comparable investment products; ... View Doc

Managed By John Hancock Asset Management
Venture Annuities and the optional riders are not available in all states; product features may vary, subject to state regulation. The securities markets of many of the emerging markets in which the portfolio may invest are substantially smaller, ... Read More

GAO-13-75, RETIREMENT SECURITY: Annuities With Guaranteed ...
That federal securities laws did not apply to CDA offerings, relevant state regulations would still apply. In addition, FINRA officials said that they variable annuities are not covered by guaranty funds because they are indistinguishable from equity products. ... Access This Document

PROSPECTUS
May not perform as well as other securities that were not selected for the Fund. As a result, the Fund may suffer losses or underperform other funds with the same investment objective or strategies, and may generate losses even in a rising market. ... Access Content

FLORIDA TIGHTENS LAWS ON SUITABILITY OF ANNUITY SALES TO SENIORS
Annuities, must be given the buyer’s guide and contract summary required by the NAIC.4 In agents who are not also registered to sell securities can no longer avail themselves of this provision. Also, because the suitability determination ... Content Retrieval

Fixed Indexed Annuity - Westland, Inc
Customers in a well diversified securities based portfolio. Index annuities are designed for folks that are averse to risk. Thus they can be can not require annuitization to get out (known as two tier annuities) and can not have surrender charges above 10% ... Retrieve Document

Raymond Gonzalez: Deciphering The Many Features Of Annuity Investments
Many retirees and pre-retirees have accumulated their retirement nest egg through equity investing, and they often want to continue with these investments during retirement. Many times, however, they find that their tolerance for risk and market volatility is not what it used to be. ... Read News

Inflation-indexed Securities - YouTube
Inflation-indexed Securities EAN/ISBN : 9780470868980 Publisher(s): John Wiley & Sons, Wiley Format: ePub/PDF Author(s): Deacon, Mark - Derry, (Introduction to Fixed Indexed Annuities) by BrokersAlliance 316 views; 1:19 Accounting for Inflation Protected Securities ... View Video

INDEX Annuity Basics ANNUITIES Section 2
ANNUITIES Section 2 Index Index annuities are regulated as insurance products and not as securities. The reason is that insurance products are not subject to SEC registration or regulations if they meet three “safe har- ... Content Retrieval

Raymond Gonzalez: Deciphering The Annuity Investment
Many retirees and pre-retirees have accumulated their retirement nest egg through equity investing, and they often want to continue with these investments during retirement. Many times, however, they find that their tolerance for risk and market volatility is not what it used to be. ... Read News

TALKING POINTS ASK YOUR REPRSENTATIVE TO CO-SPONSOR THE ...
Annuities are not securities and thereby ensures these products remain available to consumers at a time they are needed most. Please contact Congressman Meeks office right away to let him know that you will sponsor and support this legislation. ... Content Retrieval

STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS ...
During the period, he did not sell any securities other than variable annuities. Generally, variable annuities pay a higher commission than other types of securities. Doman received a commission of 3.5% to 4.9% of the value of the variable ... Read Content

Appellate Court Upholds Challenge To SEC Regulation Of Fixed ...
Securities And . Exchange Commission, __ F.3d __, No. 09-1021 (D.C. Cir. July 12, 2010) Prior AALU Washington Reports: 09-06; 08-113; 08-59 . annuities (FIAs) are not annuity contracts within the meaning of the 1933 Act. Because of this rule, FIAs ... Get Content Here

NEW YORK LIFE VARIABLE ANNUITIES
Annuities, guarantees the insurance features of our variable annuities, including death The SEC has not approved or disapproved these securities or passed upon the adequacy or accuracy of this Prospectus. Any representation to the contrary is a criminal offense. ... Get Content Here

Jane Cline, Annuities Investment SD 39 - YouTube
Glen B. Gainer III West Virginia State Auditor, Jane Cline West Virginia Insurance Commissioner The West Virginia Securities Commission, a division of the State Auditors ... View Video

Hartford Financial 2012 Earnings Now A Loss After Third-Quarter Restatement
Hartford Financial 2012 Earnings Now a Loss After Third-Quarter Restatement ... Read News

Charitable Gift Annuities - Learn About Charitable Gift ...
Definition: Charitable gift annuities (CGAs) are one of the simplest and most popular forms of life income gifts. It involves a simple agreement whereby the charity accepts a gift of cash, securities, or property and agrees to pay a specified, fixed dollar amount to the annuitant (the donor or ... Read Article

Index Annuities - The Problem With Income Riders.mov - YouTube
Learn the truth concerning income rider guarantees associated with fixed index annuities. Go to: http://www.AnnuityShoppersAid.com and get your FREE copy "10 Things You ... View Video

Michigan’s Annuity Suitability Requirements
Under federal securities law, vari-able annuities are regulated as securities. Michigan’s annuity suitability require- Fixed annuities are not federally regulated. NASD Rule 2310, Recom mendations to Customers (Suitability), has long imposed ... Fetch Doc

Investment Options: Variable Annuities
Integrity and National Integrity variable annuities and Touchstone ETF Funds are not sponsored, endorsed, sold or promoted by BlackRock. BlackRock makes no representations Securities offered by Touchstone Securities, Inc.,* Cincinnati, Ohio. ... Get Doc

Annuities - AARP - Health, Travel Deals, Baby Boomers ...
Annuities One of the biggest challenges you will encounter on your journey toward • The amount of income you receive is not guaranteed. It varies, depending on how the The U.S. Securities and Exchange ... Read Full Source

ONDEPOSIT NVESTMENT RODUCT XAMINATION ROCEDURES
NDIPs include mutual funds, annuities, securities, and self-directed Individual Retirement Accounts that invest in securities. party employees are not bank securities representatives. Brokers charge a fee or commission for executing customer transactions, or for providing services (for example, ... Fetch Content

Annuities: The Problems
Insurers, on the other hand, argue that annuities are not profitable products to underwrite, that the market is very competitive, and that annuity products are particularly risky to income securities that proxy the underlying investment vehicles for insurance companies ... Doc Viewer

Ultra Short Term Bond
And c) foreign securities. We do not provide advice regarding appropriate investment allocations. Venture Annuities and the optional riders are not available in all states; product features may vary, subject to state regulation. ... Access Doc

Fixed Income - Examples And Types
A person in retirement may rely on income sources, such as Social Security, pensions, annuities and/or investment this person' income does not vary materially over time and Under no circumstances does this information represent a recommendation to buy or sell securities. Suggested ... Read Article