The ability to convert an asset into cash without negatively impacting the value of the asset. For example, a money market fund is typically liquid while a large ranch property may not be so liquid.

Who Needs Annuities

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Annuity Digest Buying Guide: Who Needs Annuities

Annuities are neither useful nor appropriate for many people.

As emphasized throughout this buying guide, a good financial plan that focuses on retirement income needs should be the foundation of any annuity purchase decision.


Should I invest in a variable annuity?

Thanks for reaching-out.

It is generally very difficult if not impossible to provide a simple yes/no answer to this type of question without having much more detail regarding your situation and needs.  That said, here are some things to think about:


Longevity Market Leaps Ahead with Launch of Life and Longevity Markets Association

A group of banks and insurance companies recently formed a London-based trade group called the Life and Longevity Markets Association (LLMA). The LLMA aims to develop a liquid market for longevity risk that taps into broader capital markets rather than just the balance sheets of certain insurers and reinsurers. A core focus will be on longevity swaps and making the longevity swap transaction process more efficient. Longevity swaps serve as a risk transfer alternative to pension buyouts. The...

Lower Volatility May be Short-Lived

Life Settlement Market Shrinks in 2008

Similar to many parts of the economy, the market for life settlements took a step back in 2008 as a result of the financial crisis. The face value of life insurance policies that were exchanged through life settlement transactions in 2008 was $11.8 billion, a slight decrease from $12.2 billion in 2007. "Tighter" capital market conditions contributed to the recent advantage that buyers have had over sellers. Analysts believe that the general advantage will return to sellers as liquidity and...
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