If you want to update a cash-value life insurance policy or annuity, you may have heard of the 1035 exchange. This IRS provision, based on Section 1035(a)(3) of the IRS code, allows you to exchange ...

When it comes to insurance products, here’s one piece of advice: The key isn’t what the product is — it’s what the client wants to do with it. We’ve been trained to think each product has one specific ...

There are two pretty entrenched camps on indexed universal life and annuities. And those two camps don’t seem to like each other very much. I wouldn’t classify the conflict on the level of the ...

In the case of an annuity bought in November of 2025, it provides only $95 a year more income than the DIY approach and even ...

Retirement should be a time for relaxation, travel, and pursuing your passions. However, a nagging concern haunts many: they fear they will outlive their savings. After all, as lifespans increase, the ...

Annuities are often marketed as a safe and reliable source of income, especially in retirement. They come with the promise of steady payments — a sort of paycheck replacement designed to offer peace ...

Private equity firms are buying up insurers — and the policies they hold — at a feverish pace. Some groups, namely financial advisors, fear the trend may be bad for consumers who own annuity and life ...

The annuities marketplace is banking on continued investment from private equity to keep up with product demand, as US annuity sales increased 8 percent year-over-year to a record $119.2 billion in ...

Matt Wion did not set out to specialize in the annuities business, let alone end up leading the retail unit of one of the biggest providers in the country. “Circumstance really brought me to annuities ...