A Counterintuitive Annuity Strategy That Can Reduce Risk

August 15, 2023 by Scott Stolz

According to a 2021 LIMRA study on structured annuities, almost half of all structured annuity sales utilized a strategy term of five or six years. The other half was broken down between one- and two-year indexed terms.

So why are so many advisors choosing to make their clients wait five or six years before interest gets credited to the policy? It’s my opinion that the majority of advisors choose a strategy with the primary objective of avoiding a negative return. Maximizing growth is a secondary goal once the desired level of protection is chosen.

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Originally Posted at ThinkAdvisor on August 9, 2023 by Scott Stolz.