Variable Annuities _OH

Variable Annuities 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 products are designed and how they function as well as their benefits, costs, limitations, and tax treatment. It examines the many investment options and techniques variable annuities offer and explores their application for retirement income distribution. The course explains the popular living benefit riders, which offer guarantees for the protection of principal and income. Finally, the course takes a critical look at the suitability of these products and examines the needs for which they are—and are not—appropriate.

The course includes the following chapters:

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

This is an intermediate level course. Upon completion, students will be able to:

  • demonstrate a solid understanding of the variable annuity product
  • describe how these products can fulfill the need for asset accumulation and income distribution
  • outline the product's features and benefits, as well as its restrictions and limitations
  • describe the various investment options and investment strategies that these products offer
  • guide clients toward an appropriate allocation of invested premiums
  • demonstrate an understanding of the guaranteed living benefits that variable annuities offer
  • articulate the tax treatment that applies to these products
  • determine when and for what needs the product is suitable
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