Are fixed annuities bad

• Fixed Index Annuity Pros And Cons

  Fixed Annuities are further classified in sub-categories: MYGA (Multi-year Guaranteed Annuity), sometimes incorrectly called a “CD Annuity.” In a MYGA, the issuing company states at the outset, a specific interest rate for a specific term (e.g., 3% for 5 years).

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• [DOC File]I

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  States also have specific laws and regulations that companies, agents, and brokers selling annuities must comply with in order to ensure the suitability of the annuity for the consumer. Much of this framework is based on NAIC model regulations that were developed in close coordination with the Financial Industry Regulatory Authority (FINRA).

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• [DOC File]Standard on the structure of regulatory capital requirements

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  For fixed annuities, the return of the policy during the cancellation period shall “have the effect of voiding the policy from the beginning, and the parties shall be in the same position as if no policy had been issued” (I.C. Section 10127.10(a)).

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• [DOC File]THE TRUTH ABOUT EQUITY INDEX ANNUITIES

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  provides a rainy day fund, so when bad things happen, there is money to cover them. motivates a company to avoid undesirable levels of risk (from a policyholder perspective) ... 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 ...

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