Anecdotal Evidence

The Pfau Phenomenon

In a decade's worth of presentations, books and research papers, Pfau has arguably pierced the resistance of independent advisers to the floor-and-upside retirement income method (and to annuities) to a degree that others have not.

Joint venture eyes distressed annuity books

A private equity firm and a pair of tech experts from Apollo Global and Aflac have up to $500 million to buy or reinsure risk-laden annuity books from life insurers.

Honorable Mention

Lincoln launches two new fee-based annuities for RIAs; Broadridge to buy Fi360; SEC forms Asset Management Advisory Committee; Schwab to offer Pacific Life fee-based investment-only variable annuity; Mesirow, Financial Soundings partner on 401(k) managed account service; More investors see a recession approaching: Allianz Life; Fraternals are feeling hazed: AM Best.
Out of Commission

Federal judge dismisses adviser suit against ONL

The judge rejected the claim that Ohio National Life was obligated by its distribution contract with LPL to keep paying trail commissions on the sale of variable annuities to the advisers who sold them.
Viva la France

France reforms retirement

The new defined contribution plans are expected to compete with traditional French savings products such as life insurance, bank savings accounts, and pensions. Asset managers Natixis, BNP Paribas and Amundi have irons in the fire.


October 3, 2019

Making Income Rise as Health Declines

A fee-only adviser in Philadelphia used 'medically underwritten' or impaired annuities from Mutual of Omaha to increase the retirement incomes of older, single men in declining health.
September 26, 2019

Life Insurance in a Bucketed Income Plan

This case study from Securities America uses life insurance to help a 'constrained' mass-affluent retired couple protect the surviving spouse from a partial loss of pension and Social Security income.
September 19, 2019

At the RIA Dance, Annuities Look for Partners

Nationwide Advisory Services and Great American announced moves this week aimed at making their fee-based annuities attractive and accessible to Registered Investment Advisors.