Annuities and Retirement Income Planning

  • Although academic studies evaluate the optimality of annuities, advisers assess solutions in terms of contracts governed by insurance carrier profit objectives, tax code provisions, and regulatory restrictions.
  • A variety of annuities exist and, for each type, there is substantial heterogeneity of contract provisions.
  • Practitioners may benefit from an overview of the US annuity marketplace with respect to commonly used single premium, variable, and ruin-contingent annuities.
  • The brief provides a “short course” on relevant opportunities, advantages, and cautions for each contract type.
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