Certain features of annuity contracts are typically oversold and the financial advisors or insurance agents selling them might be less knowledgeable on how these products work.

Learn about the crediting strategies, choosing the right income rider, deciphering bonuses given by insurance companies, the difference between accumulation and income account values, “stretching” an annuity, and how a Market Value Adjustment (MVA) can be advantageous.

Learning objectives:

• Learn components of annuity contracts including crediting strategies, bonuses, and income riders.


• Understand the differences between fees and spreads.


• View minimum guaranteed contract values and surrender charges.


• Overview exit strategies and 1035 exchanges.

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