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Q: Who bears the risk of principal loss in a variable annuity?
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What is variable annuity and there sub-accounts?

A variable annuity is a contract with an insurance company that guarantees payments for life. Variable annuities include the option to invest in a wide variety of different asset classes known as subaccounts which can consist of different stock and/or bond portfolios. The payments from a variable annuity can fluctuate up or down based on the performance of the assets held in the subaccounts chosen. Variable annuities can offer different payment guarantees based on the terms of the contract. For example, if the purchaser of a variable annuity thinks there is a risk of poor performance in the subaccounts chosen it is possible to receive a guarantee of a minimum income payment in return for the payment of a fee. The benefit of investing in a variable annuity is the opportunity for growth in the benefit payment if the underlying subaccounts perform well. By contrast, investors in a fixed income annuity have the security of a guaranteed payment for life or a fixed period of time but may suffer due to a loss of purchasing power. Diversification is one of the golden rules of investing which is why many financial advisers recommend putting some of your money into both variable and fixed income annuities.


Is a fixed index annuity good for older persons.?

A fixed index annuity can be a good option for older persons looking for guaranteed income and protection of principal, as it offers potential for growth based on stock index performance without direct investment in the market. However, they may have long surrender periods and potential caps on returns, so it's important to consider all factors before deciding if it's the right fit for your financial goals.


What is an equity indexed annuity?

An equity indexed annuity is a fixed annuity product offered by an insurance company. It is a unique product for those individuals who want reliability without the risk of loss from the market as in a variable product. You place a sum of money or periodic payments into a product that the company utilizes a market in order to factor what interest you will make. You will not lose your principle or accrued interest due to market loss because your money is never in the market or index.


What is the win loss record for the bears on monday night?

The win/loss record for the Chicago Bears currently is 18 wins and 32 losses as of 27Sept2010


You lost money on an annuity account can you claim it as a loss?

If it is a tax preferred type account....oike in your IRA or 401k, no.


What is the reason behind the loss of polar bears?

HUMANS


Loss of precision error in java?

A loss of precision error occurs when you use a variable of a data type that holds more decimal values than the type of the variable you are converting/inserting to.


What is the win loss record for the bears and vikings?

it depends on the year


Why copper loss is called variable loss?

Cu loss means I^2*R loss so it depends on R and I.If we make wire more resistive it means it will increase the value of R so copper loss will be increase.So to concentrate on wire size we can vary the R value and can protect the copper loss.So it is called variable loss.


What was the win loss record of the bears in 2011?

the bears were 8 -8 they started losing when jay cutlur got injured


From what are polar bears at risk?

loss of ice due to global warming


Why iron loss is constant but copper loss is variable in a transformer?

Iron loss it includes the core loss is partically the same at all loads and copper loss the value of cu loss is found from short circuit test