Variable Annuities -- CLEQ

This course provides a thorough orientation to the variable annuity and its application for long-term asset accumulation and income distribution. The course focuses on how these unique products are designed and how they function, as well as their benefits, costs, and limitations. It examines how variable annuities are funded and the many investment options and techniques they offer. The course explores the application of variable annuities for retirement income distribution and explains how these products are taxed. The course describes the new living benefit riders that offer guarantees for the protection of principal and income. Finally, the course takes a critical look at the suitability of variable annuities and examines the needs for which they are—and are not—appropriate.

The course covers the following topics:

  • Overview of Annuities
  • The Design and Function of Variable Annuities
  • Features of the Variable Annuity
  • Variable Annuity Investment Options
  • Variable Annuity Income Options
  • Variable Annuity Riders
  • Taxation of Variable Annuities
  • Suitability of Variable Annuities
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