In today’s economic environment, consumers have an overwhelming need for flexible annuity solutions. They’re looking for income solutions that provide opportunities for long-term growth along with protection from market downturns.

Longevity is a known financial risk and its importance will keep growing. Planning only through life expectancy is like pretending that longevity risk does not exist. In fact, longevity risk begins at life expectancy…

People have less discretionary money but are still concerned about their families’ financial security, and in that may lie continued growth for the voluntary worksite benefits business, experts say. Health care reform may also present new opportunities…

For producers the question is, how to implement a plan for real sales increases of life insurance and fixed annuities? The answer: Focus on the senior market and a long term care connection…