A Fixed Index Annuity with a Dash of Risk
The Momentum Growth contract from Delaware Life introduces a bit of gambling to the FIA product category—but within guardrails, and only with what contract owners might call 'house money.'
F-H-L-B Spells Cheap Cash for Big Annuity Issuers
The largest borrower from the Federal Home Loan Bank (FHLB) system in 2024 was Athene Annuity and Life, at more than $15 billion. For at least 16 other top annuity issuers, FHLB loans are a key source of "fungible," low-cost borrowed capital.
RIJ and ChatGPT Discuss ‘Funding Short’
Life insurers used to be known as champions of 'asset-liability matching,' or ALM. Today, many of them are doing the opposite by 'funding short.' Here's a transcript of RIJ's recent conversation with ChatGPT about the risks and rewards of funding short, and its role in today's annuity business.
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Incomes, Cost-of-Living Higher in Blue States: LendingTree
In LendingTree's survey, Hillary Clinton supporters were almost twice as likely to say they were financially very happy as were Donald Trump supporters (18.3% vs. 9.3%).
A new topic for Brits to argue about: Decumulation
Two UK small-plan providers, The People's Pension and Now Pensions, don't want NEST, the public DC option for small companies, to offer a retirement income strategy in competition with them.
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