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fixed index-linked annuity

    Fixed Index-Linked Annuities Can Be a Safe Harbor
    Product R + D

    Fixed Index-Linked Annuities Can Be a Safe Harbor

    written by Bobby Samuelson

    Ever since the advent of fixed indexed annuities (FIAs), there’s been speculation about whether or not the product category should be a security or a fixed insurance product.

    Both sides of the argument have merit.

    On one hand, FIA products don’t expose the client to any loss of principal and, therefore, don’t have any classically defined investment risk. As such, they should be classified exclusively as insurance products.

    Continue Reading
    Fixed Index-Linked Annuities Can Be a Safe Harbor was last modified: January 6th, 2022 by Bobby Samuelson
    January 6, 2022
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  • Product R + D

    FILA vs. RILA: Where Do They Fit in a Portfolio?

    by Bobby Samuelson December 9, 2021

    How do registered index-linked annuities (RILAs) compare to the newer product category, fixed index-linked annuities (FILAs)? We’re here to help break down the debate: is a RILA or FILA better for my…

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  • Product R + D

    What is Fixed Index-Linked Annuity (FILA) and How Does it Work?

    by Bobby Samuelson October 28, 2021

    Updated May 19, 2022, at 3:33 PM What are the performance characteristics of the fixed index-linked annuity, or FILA? Before we get into the product’s appeals, let’s take a step back to…

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