Last week as well at Advisor Perspectives, Joe Tomlinson tackled the issue of the credit risk associated with buying an immediate annuity. Guaranteed income for life is only as good as the underlying guarantee, and whether that guarantee is really a true guarantee is a big question for lots of readers. You might interpret Joe’s article as good news or bad news depending on your perspective, but generally Joe believes that the more staid actuarial culture of insurance providers will help protect their ability to honor their guarantees.
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