Hedging will open up variable product design.(Variable Products)

National Underwriter Life & Health-Financial Services Edition | March 29, 2004| | Copyright

THE OVERWHELMING TREND in the variable annuity marketplace, and to a lesser extent in the variable life marketplace, over the past 5 years has been policy guarantees.

These guarantees have taken the form of VA minimum death benefit guarantees (MDBGs), VA guaranteed living benefits (GMIBs, GMABs and GMWBs), and moderate no-lapse guarantees on variable universal life contracts.

Over the last several years, insurers have discovered hedging as a mechanism to manage the risk associated with these guarantees.

Today, hedging programs are becoming a common ...

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