Annuities are the most efficient means of generating retirement income, and perhaps the only way to mitigate longevity risk . Commission-Free annuities can quickly outperform fixed income in generating retirement income, and provide payouts long after fixed income portfolios would be depleted. Visit our Guaranteed Income Calculator to see how a no-load annuity can address your clients' retirement income needs.
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Leading academics provide insight into how annuities can generate income more efficiently than traditional fixed income portfolios. This efficient income generation, along with the guaranteed income stream, can have a meaningful impact on financial outcomes for clients in retirement.
Many advisors are surprised when they realize how an annuity can outperform their fixed income strategy to deliver secure retirement income for their clients. David Lau describes an advisor's reaction after taking a closer look at the impact of a Commission-Free annuity on a client's financial plan.
Annuities are perhaps the only way to mitigate longevity risk, but they also are a more efficient means of generating retirement income. Annuities can quickly outperform fixed income in generating retirement income, and provide payouts long after fixed income portfolios would be depleted.
|Structured Variable Annuity||
Solves for Principal Protection, Retirement Income
Structured Variable Annuities (SVAs) are tax-deferred insurance vehicles that provide upside potential with a defined degree of downside protection. The investor assumes the portion of the market risk that is in excess of the "buffer" or the initial losses before reaching the "floor", but in exchange receives a higher participation rate...
|Deferred Income Annuity||
Solves for Retirement Income, Tax Deferral
A deferred income annuity is a contract funded with a lump-sum payment (premium) in exchange for guaranteed income payments at a future date. Also known as a longevity annuity because of QLAC-eligibility, a DIA can serve as a pension-like income stream for investors without a defined benefit plan through their employer. A DIA helps bridge an income gap and maintains an...
|Fixed Indexed Annuity||
Solves for Retirement Income, Principal Protection, Annuity Rescue+
Fixed indexed annuities are tax-deferred insurance products that provide market upside, while protecting principal from market losses. Assets are allocated into indices that are designed to replicate market performance. These indices are typically accompanied with cap rates, spreads, or participation rates.
|Multi-Year Guaranteed Annuity||
Solves for Retirement Income, Principal Protection, Tax Deferral
Multi-year guaranteed annuities (MYGAs), a type of fixed annuity, offer a guaranteed fixed rate of return for the duration of the product. MYGAs provide tax deferral benefits, and can give clients the ability to annuitize their assets into a predictable lifetime stream of income.
|Single Premium Immediate Annuity||
Solves for Retirement Income, Principal Protection
A single premium immediate annuity is a contract funded with a single lump-sum payment (premium) in exchange for guaranteed income payments. Designed to supplement retirement income, a SPIA insures the purchaser against outliving their money or exhausting it within a certain timeframe. A SPIA can begin paying income immediately, bypassing...
Solves for Tax Deferral, Annuity Rescue+, Legacy Planning
Variable annuities are tax-deferred insurance contracts with an underlying value that fluctuates based on the performance of the underlying investments. These products often offer insurance benefits such as guaranteed income or a death benefit. The ability to annuitize assets into a guaranteed lifetime income stream is the fundamental feature that qualifies a...
Insights and Resources
DPL Founder and CEO, David Lau and Wade Pfau PhD, CFA, RICP, discuss the best ways...
Consultant Marcus Ellingwood explains how DPL is helping advisors better understand how Commission-Free annuities work.
In this short video, David Blanchett addresses the importance of guaranteed income and his belief...
Wade Pfau, Professor of Retirement Income at The American College and DPL Founder and CEO...
DPL's CEO, David Lau, believes if annuities would have always been Commission-Free, RIA's would be...
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Through this educational video series, you'll meet leading experts who come to speak with David...
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