Products Promoting Saving for Retirement

Recently Released!!!
Date Published: May 13, 2024
Summary PowerPoint Deck: 365 Slides
Reference PowerPoint Deck: 1,890 Slides

The purpose of this research is to provide readers with a comprehensive understanding of annuities, including variable annuities, fixed annuities, & registered indexed linked annuities (RILAs). This research is part of Tiburon's broader coverage of life insurance & annuities, its even broader coverage of life & health insurance products, its even broader coverage of insurance products, and its even broader wealth & investment management products and services.

This research defines distinct product segments of annuities, including:
  • Variable Annuities
    • Traditional Variable Annuities
    • Registered Indexed Linked Annuities (RILAs)
  • Fixed Annuities
    • Fixed-Rate Deferred Annuities
      • Traditional Fixed Annuities
      • Multi-Year Guaranteed Annuities (MYGAs)
    • Single Premium Immediate Annuities (SPIAs)
    • Deferred Income Annuities (DIAs)
    • Fixed Index Annuities
This research outlines key markets & distribution channels for annuities, including:
  • Group Sales
  • Individual Sales
    • Insurance Agents
    • Non-Insurance Agent Financial Advisor Channels
    • Online Distribution (InsurTech)
And this research makes several future predictions for annuities, including:
  • Moderate Market Growth
  • Fastest Growth in Fixed Annuities & Registered Index Linked Annuities (RILAs)
  • Short-Term Interest Rate Normalization to Impact Annuity Sales
  • Annuities Niche Opportunities (Fee-Based Annuities, Longevity Insurance, & Structured Settlements)
  • Increasing Dominance of Individual Annuities
  • Increasing Role of Other Non-Insurance Agent Financial Advisor Channels
  • Long-Term Potential of In-Plan Annuities and Nearer-Term 401K Rollover Opportunities
  • Decline in Wholesaling Models & Increasing Outsourced Distribution Models, Including Independent Marketing Organizations (IMOs)
  • Challenging International (Non-United States) Market Due to Underwriting Requirements
  • Greatest Opportunities for Private Equity Backed Carriers & Technology Adopters

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