The US fixed indexed annuity (FIA) market continues to attract interest and a variety of different offerings are available today. This sector combines structured product features to provide returns within an insurance wrapper.
With an ageing population and the need to save into retirement US insurance products remain popular and a relatively favourable regulatory regime has helped to see the market grow. The appetite for fixed income annuities to be sold by brokers in large numbers has been further boosted by the Trump administration removing the Department of Labor's fiduciary rule. Conventional annuities accumulate at fixed rates each year and these vanilla versions were the first type of annuities sold. However, a
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