Unlike long - term deferral period annuities (longevity insurance) that are primarily meant to
protect against longevity risk, a short - term deferral period annuity can provide a steady income to pre-fund retirement spending over the entire retirement life cycle.
Read on to learn more about different types of annuities and other tools to
protect against longevity risk.
We've outlined a few tools below to help
you protect yourself against longevity risk.
The primary function that these annuities served — and the reason why an insurance company was the one issuing them — was to
protect against longevity risk, or the possibility of running out of money late in life.
The primary function of an annuity is to
protect against longevity risk, or the possibility of running out of money late in life.
«Annuities are [better than stocks] for
protecting against longevity risk and investment volatility.»
If your health is below average, and you're less concerned about
protecting against longevity risk, an annuity purchase may not make sense for you
Why is an annuity so great at
protecting against longevity risk?
Not exact matches
Deferred income annuities (DIAs) are sometimes called
longevity insurance because they help
protect against the
risk of running out of money later in retirement.
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And while some types of variable annuities are good at
protecting against «sequence of returns»
risk, only a few versions offer true
longevity insurance and / or some protection
against inflation via step - up payments.
For clients who want to
protect themselves
against this
risk, immediate annuities,
longevity insurance, single premium deferred annuities, and variable annuities with a guaranteed withdrawal benefit or guaranteed income benefit feature should be evaluated and considered.