Longevity Annuities: The Perfect Solution to the Retirement Income Dilemma?

RELATED CONTENT

Why Boomers Need Variable Annuities

What happens if the "boom" in "boomer" is the sound of their retirement portfolios running out of money long before they've run out their youthful life force? If unprepared baby-boomer clients face the prospect of running out of money in retirement, shouldn't their retirement portfolios include a guaranteed income?

How Variable Annuity Benefits Curb Risk in Retirement Portfolios

Variable annuities with guaranteed minimum withdrawal benefits are popular tools in retirement income planning, and they can be very helpful in protecting your clients against longevity and market risk. However, they still leave your clients open to eroded purchasing power.

The Zone System for Choosing Retirement Income Products, Part 1

How do you decide which product to use when your client needs lifelong income—especially if his retirement savings aren't what they should be? One advisor classifies his clients into zones to decide whether to go with an investment portfolio or buy a life or variable annuity. Here is his system for making these crucial product decisions. Part 1 of 2.

The Role of Annuities in Client Portfolios

The key to effectively using annuities is not to see them as an all-or-nothing, love-'em-or-hate-'em product, but as an allocation vehicle that could help you meet clients' specific goals.