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Index Achiever® Advisory

From MassMutual Ascend

Index Achiever® Advisory offers multiple 1-year term options to help manage through short-term volatility, and a 6-year option for a higher index participation rate.

The Market1

Registered Index Linked Annuities (RILAs) were first introduced by AXA (now Equitable) in 2010, and are now offered by multiple carriers. In 2020, RILA sales increased 38% ($4.8B) between Q1 and Q2, more than any other annuity product type. Concerns about equity market volatility may be one of the key factors contributing to this significant increase in RILA sales.

Why DPL Likes Index Achiever® Advisory

As an accumulation-focused product, Index Achiever Advisory provides three 1-year term options, which can help de-risk portfolios in times of short-term volatility. A 6-year term is also available, with higher participation rates than the 1-year terms. Index Achiever Advisor has no surrender schedule, allowing access to account value in the 6-year term without penalty (a market value adjustment may apply).

How to Think About Commission-Free Registered Index Linked Annuities

Registered Index Linked Annuities fall in the middle of variable annuities and fixed index annuities in terms of risk tolerance. Investors may utilize RILAs as an equity allocation replacement to capture upside while reducing portfolio risk, as these products often provide cushion against major market losses.

When your client needs: 

PRINCIPAL PROTECTION: Registered index linked annuities are typically used for clients nearing retirement. They offer a level of protection against sequence of returns risk, while also providing the potential for higher returns due to higher cap rates than other structured insurance vehicles.

EQUITY REPLACEMENT: Registered index linked annuities can be utilized to de-risk portfolios from large equity allocations, while still providing market exposure.

GUARANTEED LIFETIME INCOME: Some RILAs can be used to generate guaranteed lifetime income through a living benefit, offering competitive payout rates and the potential to increase income in retirement.2

What's Next?

Learn more about how Index Achiever® Advisory can make a difference for your clients. Use our calculator or contact your DPL consultant.

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2Optional living benefits may come at an additional cost.

Investing in variable annuities involves risk, including potential loss of principal. There are risks, fees and charges associated with variable annuities and clients should be instructed to read the prospectus and/or summary prospectus carefully and to consider the investment objectives of the variable annuity as well as the underlying investment options carefully before making a purchasing decision.

Variable annuities are designed for long-term investing, such as retirement investing and are subject to market risk, including loss of principal.

Purchasing a variable annuity within a retirement plan that provides a tax deferral under sections of the Internal Revenue Code results in no additional tax benefit. A variable annuity should be used to fund a qualified plan based upon the variable annuity’s features other than tax deferral. All variable annuity features, risks, limitations, and costs should be considered prior to purchasing a variable annuity within a tax-qualified retirement plan.

Guarantees are backed by the financial strength and claims paying ability of the issuing insurance company