Structured Annuity Products: The latest in Annuity Technology
Structure annuities appear to be the next popular thing in the annuity arena. These structured annuity products appear to be a blend of a variable annuity and a fixed indexed annuity with more of an emphasis on principal protection and slow but steady growth (instead of large accumulation like many variable annuities).
But keep in mind that even though these structured annuity products appear safer than variable annuities, they are still considered "investments" (aka securities), meaning it is a registered product and can lose money.
And although these structured annuities have sold a few billion dollars worth of new premium in the last couple of years, there are still many broker dealers and wirehouses that are still reluctant to let their reps sell these products.
Primarily because some of these variable annuity products are already confusing enough as it is, adding in structured features is just one more thing for people (including the broker) to understand.
However, many groups are rallying behind these new products as a safe alternative to variable annuities, while allowing more upside than a fixed indexed annuity.
The three largest structured annuity carriers to date are Metlife, Axa, and Allianz.
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