Total Return Annuities Can Be CD Alternative.(Brief Article) From: National Underwriter Life & Health-Financial ServicesEdition | Date: January 24, 2000| Author: | COPYRIGHT 2000 The National Underwriter Company. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan.  All inquiries regarding rights should be directed to the Gale Group.Copyright information

Many people are asking about one of the hottest new fixed annuity products--the so-called "total return" fixed annuity--now available from at least five major annuity players.

This FA credits the client with the total return (including interest and capital gains) from the insurer's general account investments, minus a fixed administrative fee.

To achieve its purposes, the policy uses what maybe called a "hybrid technology." Specifically, it has the positive characteristics of a variable annuity, in that it links the clients' interest rates to the 'total return' of the ...

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