Variable annuities have been one of the most rapidly growing financial products of the last
two decades. Between 1996 and 2004, nominal sales of variable annuities in the United …

A practical guide to adapting financial advice and investing to a post crisis world There's no
room for" business as usual" in today's investment management environment. Following the …

Mutual funds and variable annuities are similar instruments that differ mainly in their tax
treatment. Their relative appeal is the subject of intense debate in the industry. This paper …

This study utilizes a nationally representative proprietary dataset to examine the
annuitization decisions of retirees. The results indicate that consulting a financial advisor …

This article develops a profile for potential variable annuity (VA) owners. A critical
component in developing this profile is the determination of the minimum time horizon …

This study describes the structure of nonqualified tax-deferred annuities and examines when
they are in the best interest of individual investors as savings vehicles. It concludes that …

Section 529 plans were created to provide tax incentives for savings for qualified higher
education expenses (QHEE). Earnings in 529 plans are tax-free if withdrawals are made for …

In this paper we offer a novel method of assessing whether exchanging one variable annuity
(VA) policy for another, destroys or adds value from a purely economic perspective. We do …

본 연구에서는 보험연구원의 보험소비자 설문조사 자료 (2017-2019) 를 활용하여 세제비적격
연금으로 분류되는 변액연금보험 가입자의 특성과 가입 결정요인을 분석하였다. 국제회계기준 …