MVAs: Most Valuable Annuity?

Annuity Insider What on earth is an MVA? According to Barron’s Insurance Dictionary, a Market Value Adjustment is “an increase or decrease in the surrender charge of the life insurance policy or annuity contract depending on the current financial markets.” Well, kinda. An MVA is actually separate from the surrender charge. In essence, an MVA … Continue reading

Guarantees Are In; Speculation Is Out

The new direction of income planning There’s no mistaking the sobering change that has swept through the retirement savings marketplace since 2008. A bull-market fixation for investment growth is gone. A focus on accumulation of assets has changed, stressing continuity and dependability. Blame it on the aging of America or call it collective pragmatism, the … Continue reading