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Description
Annuities with lifetime income provisions offer risk pooling, which tends to be underappreciated as a unique source of returns that is unavailable for an investment portfolio. But there are many types of annuities in the marketplace and understanding how they work can be complex. This presentation seeks to provide a better understanding about different types of annuities, including income annuities such as single-premium immediate annuities, deferred variable annuities, and fixed index annuities. For the latter two, we will focus on how they provide exposure to market upside and on how optional guaranteed lifetime withdrawal benefit riders can support lifetime spending. Testimonial: “Complexity requires continual learning as products and opportunities change. Webinars such as this one help us to understand what we do not know we do not understand! Thank you!"
Learning Objectives
In this one-hour webinar you will: 1. Distinguish between major annuities categories such as variable or fixed, immediate or deferred; 2. Understand mechanics for how downside protection, upside potential, and liquidity features work for different annuity types; 3. Appreciate the risk pooling insurance aspect provided by annuitization or by guaranteed distributions through an optional guaranteed lifetime withdrawal benefit.