Hi. My name is Ryan Hinchey. I am a variable annuity consultant. Annuities are complicated. I help people make sense of them.
Check out my new site: www.NoBullAnnuities.com
My LinkedIn Profile
Catching Elephant is a theme by Andy Taylor
My adventures in Europe took another interesting twist – it would be five American actuaries living and working in the same house in Amsterdam – it was like a really bad reality show idea.
Common complaints of GLWB's
Some of the traditional complaints against variable annuity guarantees and my comments
Do you think guaranteed for life income riders will survive given everything that has happened during the course of the financial crisis?
My response, as originally posted on linkedIn
What Exactly is Variable Annuity Hedging?
Hedging is a term thrown around when discussing variable annuity manufactures. But unless you work in the biz, there’s a lot of confusion and misconceptions about hedging, how it works, and what the goals are. In this article, I attempt to explain the basics to the layman.
New wave of Variable Annuity Products on the Horizon
In light of the current market environment, a number of the annuity providers are redesigning or repricing their guarantees. The bottom line is that due to increased market volatility, it is a lot more expense for insurers to offer market guarantees - up to 80% more expensive than a year ago.
Big Annuity Players are Thinking Outside the Box for Capital Relief
Some of the big annuity players are so determined on getting government funding that they have taken on a new attitude: if the treasury won’t change their eligibility criteria then we will change our company to meet the criteria.
Survival of the Fittest in the Variable Annuity Industry
The last few months haven’t exactly been the best of times for the insurance industry. And this past week wasn’t any better. A number of companies stocks took another sharp hit after Goldman’s Chris Necaypor released his analysis of the industry earlier this week. On top of that, it seems like ratings cuts may be around the corner for a number of companies if they don’t figure out how to raise more capital.
