Annuity Options in a Volatile Market

Do you have clients who are looking for an accumulation and/or income solution for their rollover, but today’s market volatility has them leaning into a more conservative risk profile? Given their range of options an annuity may be a good solution to explore. 

Risk Profile: Conservative to Moderate

Needs:

  • Looking for accumulation and/or income
  • Concerned about risk but still looking for an alternative to CD’s or Treasuries
  • Use as a source of income “bridge” to avoid taking income from equities-based accounts in years during significant market decline – protection from sequence of return risk.
  • Does not want to risk their principal

Potential Solution: Single Premium Fixed Indexed Deferred Annuity (FIDA)
A Fixed Indexed Deferred Annuity, FIDA can offer competitive caps, floors and flexibility. For more information on FIDA  from National Life Group, click here

Risk Profile: Moderate to Moderately Aggressive

Needs:

  • Looking for accumulation and/or income
  • Willing to accept some risk (including principal loss) for potentially higher return

Potential Solution: Registered Index-Linked Annuity (RILA)
A RILA limits, but doesn’t eliminate, downside risk, and offers growth potential that falls between a fixed indexed annuity and a variable annuity.

To view RILAs available to ESI Reps, click here.

TC128902(0922)1