VARIABLE ANNUITY I.Q.
Selecting the right variable annuity with income guarantees for retiree and pre-retiree clients is challenging.
Complexity of different features such as income guarantees, asset allocation requirements, and cost structures contribute to a fragmented analysis.
Current variable annuity comparison products help filter variable annuities and present them in a tabular manner, normally shifting the client’s focus more on singular features (expenses or guarantee rate).
Our patent pending Variable Annuity I.Q. Ratings assists advisors in the decision-making process of variable annuities by analyzing the key features of each variable annuity that advisor is recommending for client and quantifying a holistic assessment of each based on the key features analyzed and leveraging our Hedgeness Income Engine™.
The key features include:
Income guarantee rate
Expenses
Income Duration
Asset allocation requirement
CDSC
Insurer’s credit rating
Variable Annuity I.Q. generates a proprietary "Benefit to Expense Ratio" to help select better variable annuity for your client. The higher the Benefit to Expense Ratio, the more valuable is the interplay between expenses and income benefits as applied to income distributions.
Empowers advisors to sustain and grow variable annuity business in a consistent and repeatable manner in line with fiduciary trends.
Enables advisors to attract retirement assets by using institutional-level analytics for their clients.
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