Indexed annuities: low vol to upstage ESG as practical approach beats thematics

Market turmoil as well as a client willingness to protect their assets have further driven unique entrants to the industry with thematics taking center stage. The combination of insurance products like indexed annuities with thematics that include environmental social governance (ESG) is still nascent - the first ever ESG-focused fixed indexed annuity (FIA) was introduced to the US market in March of this year . While thematic inclusion appears ready to leave a permanent mark in the industry,