Course Information

Fixed Annuities - CLEQ

Overview

Market volatility, shrinking retirement savings, increasing longevity, and high late-life health care costs have changed retirement planning. It now focuses on accumulating sufficient assets and efficiently distributing them during retirement. Fixed annuities, both traditional and indexed, provide a stable, guaranteed value for a diversified retirement plan. This course offers an in-depth study of fixed annuities, highlighting their role in retirement savings and distribution.

Find this course for your license

License or Certification

Regulator

Learning Objectives

Explain the purpose and function of annuities, both immediate and deferred
Describe the differences between traditional fixed annuities and indexed annuities
Explain how fixed and indexed annuity values grow
Outline how annuities can be used for tax-deferred accumulation and lifetime income
Demonstrate an understanding of the tax treatment of annuities at all phases: during accumulation, during payout, and at death
Describe the benefits and drawbacks of fixed annuities, and when they may-and may not-be suitable for consumers

Designed For:

Life and health insurance producers and finance professionals

Course Information

Adding additional credit may change exam requirements.

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