Abstracts » Insurance

Riding out the variable annuities market

Article Abstract:

Variable annuities continue to be attractive as long-term investments, notwithstanding the fluctuations of the stock markets and recent changes in tax policies. Among the factors that make variable annuities viable are the Death Benefit guarantee that ensures beneficiaries' receipt of the principal invested or the contract's current market value as well as the compounding effect resulting from tax-deferred growth. Annuities can also be a steady source of income if the contract is annuitized, as the insurer continues to pay for the life of the holder for 20, 30 0r 40 years.

Economic aspects, Variable annuities

---

Counting costs

Article Abstract:

Holders of variable life insurance policies need to carefully examine policy costs and expenses to properly assess policyholder value. Too often, these costs and expenses in variable insurance products are not given any attention when good investment returns are derived from the underlying mutual funds. Among the items that policyholders must study are the mortality and expense charge or the death benefit charge on the insured and the basis for current costs of insurance used by the insurer.

Variable Life & Equity Insur, Interpretation and construction, Contracts, Insurance policies

---

Tracking retirement annuities

Article Abstract:

Flexible-Premium Retirement Annuities from 1992-1996 were the subject of a survey by Best's Review. Individual policy results as well as the median values for each category are included. LifeUSA had the highest actual accumulation value for the period and USAA Life had the highest actual surrender value for the period.

Some parts © 2012 Advameg, Inc.