Most variable annuity products distributed today are complex commodities with an abundance of moving parts - indexed annuity products even more so. It is due to this complexity that regulatory authorities take a harsh view at the sale of these products. Very few securities face the disclosure requirements of a variable or indexed annuity; in that a variable or indexed annuity is an insurance product and a security product, they often face the burden of overcoming the high degree of scrutiny from multiple regulatory agencies at both the state and federal levels. Yet given the level of complexity and the level of regulatory scrutiny, funds invested in variable annuities have reached well over one trillion dollars; a lot of money no matter who you are.It is only when a registered representative fully understands the advantages and disadvantages of a variable or indexed annuity that a decision can be made by the prospective client that the annuity is the proper investment product to include in their retirement or financial plan.
Upon completion of the course, the student will: Variable and Indexed Annuities The Players Funding a Variable or Indexed Annuity How Variable Annuities Got Their Name How Indexed Annuities Got Their Name How an Annuity Works Options within Variable Annuities Understanding Equity-Indexed Annuities Computing Gains Participation Rates and Earning Caps Risks of a Variable Annuity Risks of an Equity-Indexed Annuity Some Limitations of Variable and Indexed Annuities Limits of Tax-Deferral Restrictions and Fees Suitability Issues Suitability Guidance Arriving at a Reasonable Basis for Recommending an Investment Product Variable and Indexed Annuities Raise Special Concerns Replacements and Exchanges of Annuity and Insurance Products
This course covers the following topics: Content mandated on national core exam for Property and Casualty exam State Law regulations for students home state Questions on national and state law topics as shown in state outline
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