We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Industry News

Categories

  • Industry Articles (21,155)
  • Industry Conferences (2)
  • Industry Job Openings (35)
  • Moore on the Market (414)
  • Negative Media (144)
  • Positive Media (73)
  • Sheryl's Articles (800)
  • Wink's Articles (353)
  • Wink's Inside Story (274)
  • Wink's Press Releases (123)
  • Blog Archives

  • March 2024
  • February 2024
  • January 2024
  • December 2023
  • November 2023
  • October 2023
  • September 2023
  • August 2023
  • July 2023
  • June 2023
  • May 2023
  • April 2023
  • March 2023
  • February 2023
  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011
  • June 2011
  • May 2011
  • April 2011
  • March 2011
  • February 2011
  • January 2011
  • December 2010
  • November 2010
  • October 2010
  • September 2010
  • August 2010
  • July 2010
  • June 2010
  • May 2010
  • April 2010
  • March 2010
  • February 2010
  • January 2010
  • December 2009
  • November 2009
  • October 2009
  • August 2009
  • June 2009
  • May 2009
  • April 2009
  • March 2009
  • November 2008
  • September 2008
  • May 2008
  • February 2008
  • August 2006
  • Jackson, Lincoln, Prudential Products Among Barron’s 50 Best Annuities

    June 29, 2017 by Warren S. Hersch

    Jackson National, Lincoln National and Prudential Financial are on the short list of A+-rated carriers offering the highest payouts of variable annuities with income guarantees, according to new research from Barron’s.

    The business publication unveils this finding in a June cover story that provides a breakdown of 50 top-paying annuities, listing three or four for each of several categories. Included in the list are manufacturers of immediate and deferred income annuities, annuities for tax-deferred investing, as well as fixed-indexed and variable annuities with income guarantees.

    Click HERE to read the original story via Life Annuity Specialist. 

    In the last category, Barron’s flags three products for inclusion in its Top 50 List: Prudential Financial’s Premier Retirement B/HDI v.3.0; Jackson National’s Perspectives II/LifeGuard Freedom 6 Net; and Lincoln’s Core Income Built with iShares. The three VAs boast minimum annual guaranteed payouts of $16,289, $16,000, $9,947, respectively (the amounts assume a $200,000 investment by a 55-year-old man).

    Though Lincoln’s payout is the lowest of the three, the Core Income Product carries a distinct advantage: no surrender charge (versus seven years for Jackson’s and Prudential’s products). Riders for the products’ income guarantees (such as Prudential’s ability to reset income based on the highest daily account value) vary between 1.89% on Lincoln’s offering and 2.8% on Prudential’s.

    Turning to fixed-indexed annuities with income guarantees, Barron’s flags Ascent 10 Bonus 2.0 from Athene as the top offering. For a 60-year-old man investing $200,000, the payout at age 70 (assuming a 2% annual increase in income) is pegged at $21,420. This compares with income of $21,368, $20,774 and $20,250 for fixed-indexed products from, respectively, American Equity, Midland National, and National Western.

    Should the hypothetical retiree survive to age 90, aggregate payouts for the Athene product total a whopping $428,400. That compares with payouts of $427,360 (from American Equity), $415,480 (Midland National) and $405,000 (National Western Life).

    The Barron’s report analyzes several categories — variable annuities that invest in conventional mutual funds, VAs sporting alternative investments and buffer annuities — respecting their ability to produce superior returns before annuitization. During this accumulation period, investment gains grow (as in a conventional IRA) tax-deferred.

    Among the buffer (or structured) annuities Barron’s identifies top-performers from three carriers: AXA, Brighthouse Financial and Allianz. Products from the manufacturers feature comparable surrender charge periods (six years) and percentage of principal protected from losses (10%).

    The products differ when measuring their caps on returns. AXA’s offering (SCS Plus) stands outs: the 6-year total return cap is 68%. This contrasts with 80% for Brighthouse’s product, Shield Level Selector. Allianz’s offering (Index Performance Strategy) has an 11.5% annual return cap in the first year.

    A growing number of annuity carriers (including Voya Financial) offer structured annuities. Hybrid products that link performance to a market index, buffer annuities offer more upside potential than fixed indexed annuities and greater protection from market slides than conventional VAs — a key consideration for investors with limited appetite for risk-taking. According to LIMRA, sales of buffer annuities totaled $5.5 billion in 2016, more than double the $2.6 billion recorded in 2015.

    Turning to fixed deferred income annuities, Lincoln ranks among the top four in three of Barron’s subcategories: personal pensions; personal pensions as longevity insurance; and personal pensions within an IRA. Other annuity carriers included in the subcategories (ranked, respectively, in terms of annual payouts at ages 70, 80 and 84) include Symetra Life, New York Life, Principal Financial and Foresters Life.

    Barron’s subscribers can view tables for The 50 Best Annuities here.

    Originally Posted at Life Annuity Specialist on June 28, 2017 by Warren S. Hersch.

    Categories: Industry Articles
    currency