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A Changing Variable Annuity Landscape -- The Consumer Perspective

This is the first part of an interview with Ryan Hinchey.

Ryan is a consulting...

Glossary: 
1035 Exchange
Variable Annuity
Annuity
Actuary
Surrender Charge
Asset
Asset Allocation
Capital
Capital Market
Risk Tolerance
Interest Rates
Consumer
Guaranteed Living Benefit
Insurance
Insurance Company
Income
Hedge
Hedging
Volatility
Key Phrases Autotag: 
Financial Crisis
income
Fees
Insurance Companies
Interview
Market Volatility
Product Development
Key Phrases:
Glossary: 
1035 Exchange
Variable Annuity
Annuity
Actuary
Surrender Charge
Asset
Asset Allocation
Capital
Capital Market
Risk Tolerance
Interest Rates
Consumer
Guaranteed Living Benefit
Insurance
Insurance Company
Income
Hedge
Hedging
Volatility
Key Phrases Autotag: 
Financial Crisis
income
Fees
Insurance Companies
Interview
Market Volatility
Product Development

How can an annuity protect me from a volatile market?

Annuities can be very effective in providing protection against market

FAQ Topics: 
Annuities Information
Key Phrases: 
Financial Crisis
Withdrawal
Market Volatility
Product Development
Glossary: 
Annuity
Annuitant
Annuity Payments
Contract Holder
Guaranteed Lifetime Withdrawal Benefit
Guaranteed Living Benefit
Guaranteed Minimum Accumulation Benefit
Guaranteed Minimum Income Benefit
Guaranteed Minimum Withdrawal Benefit
Hedging
Insurance Company
Insurance
Living Benefits
Market Risk
Variable Annuity
Income
Volatility
Key Phrases:
Glossary: 
Annuity
Annuitant
Annuity Payments
Contract Holder
Guaranteed Lifetime Withdrawal Benefit
Guaranteed Living Benefit
Guaranteed Minimum Accumulation Benefit
Guaranteed Minimum Income Benefit
Guaranteed Minimum Withdrawal Benefit
Hedging
Insurance Company
Insurance
Living Benefits
Market Risk
Variable Annuity
Income
Volatility
Key Phrases: 
Financial Crisis
Withdrawal
Market Volatility
Product Development
FAQ Topics: 
Annuities Information

High expenses or fees are one criticism I have heard regarding annuities. Can you explain the fee structure around annuities?

Annuities are products that combine insurance and, in the case of variable annuities,

Glossary: 
Annuity
Accumulation Period
Annuitant
Annuity Payments
Asset
Contract Holder
Fixed Annuity
Guaranteed Lifetime Withdrawal Benefit
Guaranteed Living Benefit
Guaranteed Minimum Accumulation Benefit
Guaranteed Minimum Income Benefit
Guaranteed Minimum Withdrawal Benefit
Insurance Company
Insurance
Insured
Investing
Living Benefits
Market Risk
Variable Annuity
Surrender Charge
General Account
Mortality
Income
Bond
Death Benefit
Financial Advisor
Investment Management Fee
GLWB
GMAB
GMIB
GMWB
Companies: 
Vanguard
Key Phrases: 
Taxes
Expenses
Withdrawal
Mutual Funds
Innovation
Product Development
Fees
Annuity Sales
FAQ Topics: 
Annuities Information
Key Phrases:
Glossary: 
Annuity
Accumulation Period
Annuitant
Annuity Payments
Asset
Contract Holder
Fixed Annuity
Guaranteed Lifetime Withdrawal Benefit
Guaranteed Living Benefit
Guaranteed Minimum Accumulation Benefit
Guaranteed Minimum Income Benefit
Guaranteed Minimum Withdrawal Benefit
Insurance Company
Insurance
Insured
Investing
Living Benefits
Market Risk
Variable Annuity
Surrender Charge
General Account
Mortality
Income
Bond
Death Benefit
Financial Advisor
Investment Management Fee
GLWB
GMAB
GMIB
GMWB
Key Phrases: 
Taxes
Expenses
Withdrawal
Mutual Funds
Innovation
Product Development
Fees
Annuity Sales
FAQ Topics: 
Annuities Information
Companies: 
Vanguard

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