It’s Spee-Ahz, By a Nose!

Gaobo Pang and Mark Warshawsky's study supports a strategy of combining income annuities with mutual funds in retirement.

Trends RIJ Will Track in 2021

When will annuities be loved? After all the creative destruction of the past 10 years, what’s next for the annuity industry? Which trends will persist? Which products will flourish? We discuss the trends that Retirement Income Journal expects to cover in 2021 and beyond.

The Catch-22 of In-Plan Annuities

Fixed deferred annuities may be the most promising candidates for inclusion in 401(k) plans. But in order to adapt these contracts to the defined contribution space, they must lose some of the 'illiquidity' that helps make annuities valuable. Some innovative solutions are now on the market.

Bermuda Triangle Part IV: The Reinsurance Angle

Publicly-held life insurers are using reinsurance to improve their balance sheets. But at what cost? 'I believe that many of these blocks of business are only being funded in part with real assets,' a forensic accountant told RIJ.
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Innovative Two-Stage Income Annuity Proposed

The payout from Phoenix's Retirement Income Options variable income annuity is life-contingent and variable during the "early retirement" stage, but pays a fixed income with a death benefit during the optional "later retirement" stage.

All Signs Point to an Aging Work Force

Nearly four-in-ten adults who have worked past the median retirement age of 62 told Pew Research that they delayed their retirement “because of current economic conditions.”

A Few New Names on Annuity ‘Leaderboard’

Since the end of 2008, Sun Life, American Equity Investment Life and MassMutual have joined the list of the top 20 annuity sellers, while Genworth Financial, Principal Financial, and Allstate have slipped off.

Despite Crisis, Total Annuity Sales Lag By Just 3%

Almost 90% of purchasers of new variable annuity contracts are electing living benefits and almost 60% are electing guaranteed lifetime income riders, despite industry-wide pull-backs in those benefits.