Annuity Riders

Hi. My name is Ryan Hinchey. I am a variable annuity consultant. Annuities are complicated. I help people make sense of them.

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Catching Elephant is a theme by Andy Taylor

 

“According to the Kehrer-LIMRA Bank Fixed Annuity RateWatch, the spread between the yield on five-year CDs and the average effective yield offered by fixed annuities guaranteed for five years has turned upside down in recent months. The difference between the two products fell from 94 basis points in April 2009 to 8 points in April 2010. , “In May the rate spread between five-year CDs and five-year annuities inverted to negative 6 – fixed annuities were 6 basis points below CDs. This does not bode well for fixed sales in May” continued Cappelletti.”


“According to the Kehrer-LIMRA Bank Fixed Annuity RateWatch, the spread between the yield on five-year CDs and the average effective yield offered by fixed annuities guaranteed for five years has turned upside down in recent months. The difference between the two products fell from 94 basis points in April 2009 to 8 points in April 2010. , “In May the rate spread between five-year CDs and five-year annuities inverted to negative 6 – fixed annuities were 6 basis points below CDs. This does not bode well for fixed sales in May” continued Cappelletti.”