Indexed Annuities

Indexed Annuities provides a thorough discussion of these unique instruments: how they are designed, how they are used, and how the many and varied interest crediting methods calculate and apply interest. The course covers the distinct features, benefits, and limitations of indexed annuities and explains the various indexing methods and the adjustments insurers commonly apply to their indexed crediting methods. 

The course covers the following topics: 
  • What Are Annuities?
  • How Deferred Annuities Work
  • Basics of Fixed Annuities and Indexed Annuities
  • Evaluating Various Indexes and Indexing Methods
  • Evaluating Crediting Factors and Other Adjustments
  • Benefits of Indexed Annuities
  • Suitability
  • Allocation of Assets
This is an intermediate level course. Upon completion, students will be able to:
  • describe how indexed annuities are designed and how they compare to other types of annuities
  • list the advantages and disadvantages of indexed annuities
  • explain the taxation issues associated with indexed annuities
  • identify the types of consumers for whom indexed annuities are suitable
  • demonstrate an understanding of the suitability issues that apply to indexed annuities
  • articulate the place indexed annuities may occupy in a client’s retirement portfolio
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