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Annuities are evolving—and so is the conversation around them. This section breaks down current product designs, market context, and regulatory trends in plain English, providing perspective advisors can use to explain guarantees, flexibility, and the expanding role of annuities in modern retirement plans.
When markets rise and bond yields fluctuate, one product seems to always be in the conversation: the Registered Index-Linked Annuity (RILA). Once considered a niche between fixed indexed and variable annuities, RILAs have now become a central piece in many retirement income discussions. But the question for advisors isn’t just[Read More…]
Why Yields Are Starting to Slide After peaking above 5% in 2023–24, long-term Treasury and investment-grade corporate yields have eased through much of 2025. The 10-year Treasury recently hovered near 4.1%. Inflation has cooled, rate-cut expectations are building, and bond prices have recovered. For insurers, that means new money yields—the[Read More…]
For decades, 401(k) plans were all about accumulation. Participants built savings but were left on their own to figure out how to turn that balance into income. That’s beginning to change. Thanks to provisions in the SECURE Act of 2019 and SECURE 2.0, plan sponsors can now more easily include lifetime income options—typically through annuities—inside 401(k) plans. [Read More…]
The Interest Rate Dilemma Facing Retirees Fixed annuities have become an attractive option again, with yields not seen in more than a decade. After spending much of the 2010s below 4%, average multi-year guaranteed annuity (MYGA) rates climbed into the mid-5% to low-6% range in 2023–25—levels last seen before the financial crisis. That[Read More…]
Few generations have lived through as many economic pivots as Generation X. Born roughly between 1965 and 1980, they’ve seen pensions fade, markets boom and bust, and retirement planning shift almost entirely onto their own shoulders. Now entering their late 40s to early 60s, Gen Xers are at the front[Read More…]
