Anecdotal Evidence: What Fee-based Indexed Annuities Reveal

March 15, 2017 by Kerry Pechter

The Obama fiduciary rule—which may not survive—triggered the creation of retirement savings and income products that have unusually high value for consumers. Ironically, few insurance agents or financial advisors will be eager to sell or recommend them. 

That product is the no-commission or fee-based version of the popular fixed indexed annuity (FIA). Before advisory fees, this type of FIA offers significantly more potential return (while also guaranteeing against principal loss) than similar FIAs in which the selling agent’s commission is embedded in the crediting rates.

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Originally Posted at Retirement Income Journal on March 16, 2017 by Kerry Pechter.