Our proprietary technology unbundles annuity insurance protections from underlying investments. This allows advisors to transfer risk for clients to an insurance company, without moving assets.
The resulting solution, a Contingent Deferred Annuity (CDA), allows retail mutual funds and ETFs to be wrapped in brokerage accounts, IRAs or Roth IRAs to generate lifetime income for clients even if the covered assets are depleted (subject to the claims paying ability of the insurance company). And since qualified or non-qualified assets may be covered, this Portfolio Retirement Income Guarantee does not change the tax status of the covered assets.
|wdt_ID||Insurance Company||Product||Solution Type||Return of Premium Death Benefit||Investment Options/Crediting Methods||Fund Families||Fixed Account Availability||Ultra Low-Cost Funds||Surrender Penalty||Lifetime Income Benefit||Penalty Free Withdrawals||Systematic Withdrawals||Dollar-Cost Averaging|
|wdt_ID||Insurance Company||Product||Solution Type||M&E Charge/Product Fee||Admin Charge||Return of Premium Death Benefit Fee||Annual Contract Maintenance or Subscription Fee†||Portfolio Expense Range (a)||Average Portfolio Expense (a)||Surrender Charge Schedule||Penalty Free %|
|wdt_ID||Insurance Company||Product||Solution Type||Availability||Minimum Initial Investment||Maximum Issue Age||Max Total Contributions w/o Approval|
|wdt_ID||Insurance Company||Product||Solution Type||New York Prospectus||Benefits/Optional Rider Info||Optional Rider 2||Optional Rider 3||Prospectus||Client Brochure||Learn More||Investment Options||Approved ETFs/Mutual Funds + Models||Performance||Rates||Tool|
†In your Constance Certificate form, the “Subscription Fee” is referred to as the “Certificate Fee.”
by Wade Pfau, Ph.D.,
Learn how the impact of sequence risk on sustainable retirement spending can be mitigated in a straightforward way by creating a risk wrapper for the investment portfolio through a contingent deferred annuity.