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  • HOW ANNUITIES HAVE CHANGED SINCE THE DOL PROPOSED THE FIDUCIARY RULE. Reprint

    June 13, 2018 by Sheryl J. Moore

    HOW ANNUITIES HAVE CHANGED SINCE THE DOL PROPOSED THE FIDUCIARY RULE.

    May 8, 2018 by Sheryl J. Moore

    Before I count the ways, let me comment that the average premium for a deferred annuity is $102,964 as of 4Q2017. I would surmise that the typical fee-based advisor asks that their clients have no less than $500,000 in assets before they consider managing their assets- am I right? There would be no one less-served by the DOL’s Fiduciary Rule than the middle market; the typical annuity purchaser.

    HOW HAS THE FIDUCIARY RULE IMPACTED DEFERRED ANNUITIES?

    1. Some companies completely suspended all qualified annuity sales.
    2. Many companies changed their issue ages (instead of 0-85, now 55-85).
    3. Many companies increased their minimum premiums (instead of $5,000 to start, now $50,000 to start).
    4. Companies removed their supplemental compensation programs.
    5. Many companies added trail compensation options.
    6. Many companies adjusted their heaped and trail compensation amounts.

    AND…HOLD ON TO YOUR PANTS…

    7. Several companies increased commissions.

    Categories: Sheryl's Blogs
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