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[DOC File]Standard on the structure of regulatory capital requirements
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The first phase (known as C-3 Phase 1) specifically targeted interest rate risk for fixed annuities and was implemented December 31, 2000. On December 31, 2005, the NAIC implemented C-3 Phase 2, which introduced a new capital requirement for variable annuities.
are fixed annuities safe

[DOC File]This letter will present a brief synopsis and then a more ...
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FIXED-INDEXED ANNUITIES. On November 20 and 23, respectively, the NCOIL Life Insurance & Financial Planning and Executive Committees adopted unanimously a Resolution in Support of State Insurance Commissioner Authority Over the Regulation of Fixed Indexed Annuity Products.
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[DOCX File](b)If accounts are established in accordance with any of ...
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The existence of the guaranty association safety net and regulatory reforms since the 1990s generally has lessened risks for many policyholders in life insolvencies, including those with an interest in a separate account registered under the 1940 Act. ... Other SEC Registered Products (e.g., certain fixed annuities with market value adjustments ...
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[DOCX File]OVERVIEW - California Insurance Commissioner
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How Fixed, Variable and Index Annuity Contract Provisions Affect Consumers ... Annuities in particular have become the ‘product of choice’ among many agents to sell to seniors, and the potential for abuse has become a major issue. ... of Section 18075.55 of the Health and Safety . Code, railroad car, locked or sealed cargo container ...
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[DOC File]I
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A special case of a fixed deferred annuity is called an equity indexed annuity. This is a deferred annuity whose account value is linked to some index, such as the S&P 500. The account is credited with some percentage of the growth in this index from the last crediting date. As with all fixed deferred annuities, there is a statutory floor.
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[DOC File]FOR IMMEDIATE RELEASE
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NCOIL strongly supports the bill’s contention that fixed-indexed annuity products are a form of insurance—as the primary feature of the product is the safety of principal and associated investment risks are borne not by the consumer, but by the issuing company.
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[DOCX File]www.ain-services.com
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Fixed Annuity. This is an annuity NOT directly exposed to stock market risk. The issuing company assumes all the risk associated with market losses and guarantees the safety of principal and all credited interest. Because Fixed Annuity companies have direct access to the money, (like banks) they do not charge fees for owners to have the annuity.
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SEC Filings | American International Group, Inc.
Mine Safety Disclosures. 170. ITEM 6. Exhibits. 171. Signatures. 172. AIG | Third Quarter 2019 Form 10-Q . 1. TABLE OF CONTENTS. Part I – Financial Information. ... — consists of fixed annuities, fixed index annuities, variable annuities and retail mutual funds. Group Retirement — consists of group mutual funds, group annuities ...
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[DOCX File]Educational Concepts Unlimited, Inc.
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probate process. It is expensive and can take up to nine months before assets can be transferred. In both types of contracts, there exists an early surrender charge similarity to
are fixed annuities safe

[DOC File]THE TRUTH ABOUT EQUITY INDEX ANNUITIES
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Variable Annuities offer growth through either a fixed interest component – essentially a money market account, or a menu of securities; typically mutual funds. Because no entity can control or guarantee future returns in investment markets, there are no baseline guarantees of minimum account value of a depositor’s money if invested.
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Safety of fixed annuities