This is where advisory annuities come in. Designed with features that can be difficult to replicate elsewhere, these solutions can complement traditional allocations and enhance resilience in client portfolios.
Within fixed income allocations, annuities can serve as a bond alternative, maintaining safety, stability and income characteristics while introducing additional growth potential. Within equity allocations, they can act as a risk-managed growth sleeve, maintaining market exposure and growth opportunity while introducing defined protection measures.
- Offer guaranteed growth and complete downside protection
- Grow in value at a fixed rate and offer moderate earning potential
- May be a fit for risk-averse clients seeking predictable, guaranteed returns
- Offer market-linked growth potential and complete downside protection
- Provide greater earning potential than a fixed annuity
- May be a fit for risk-averse clients seeking growth opportunity through market exposure
- Offer market-linked growth potential and partial downside protection
- In exchange for some downside risk, these solutions offer the greatest earning potential
- May be a fit for growth-focused clients with moderate risk tolerance
Diversifying earning potential
Fixed-indexed and registered index-linked annuities offer growth potential linked to the following indexes and ETFs, giving clients the opportunity for diversification:
- S&P 500® Index
- S&P 500 Risk Control 10% Index
- S&P U.S. Retiree Spending Index
- iShares U.S. Real Estate ETF
- iShares MSCI EAFE ETF
- First Trust Barclays Edge Index
- Russell 2000 Index
Available indexes and ETFs vary by product.
While advisory annuities are intended to bring long-term value to a portfolio, liquidity options are available.
Annual withdrawals
Most annuities allow a certain percentage, typically 10%, to be withdrawn each year penalty-free. This feature may be useful for portfolio rebalancing. For more information on product-specific withdrawal allowances, refer to the advisory annuity product reference guide.
Included riders
Extended care and terminal illness waiver riders allow clients to withdraw their money without incurring early withdrawal charges or negative MVAs when certain criteria are met. There is no charge for these riders.
Return of premium
With an Index Protector 7 fixed-indexed annuity, clients can surrender their contract after the third contract year and receive no less than their initial purchase payment (minus prior withdrawals and applicable taxes and rider charges).
Ready to learn more about our solutions?
Check out our suite of advisory annuities.
