Research & Insights

As part of NAFA’s efforts to stay on top of sales and market trends the industry is experiencing, we’re proud to leverage the internal talents of our team and board, as well as strategic partnerships with NAFA members, sister trades and other organizations, to provide studies, statistics and more that you can use to make smarter business decisions.

Use the links below to access current publications, as well as timeless anecdotes, positioning ideas and more in our Annuity Perspectives Archive.

Volatility-Controlled Indices of FIAs

Throughout the past few years, volatility-controlled indices have become increasingly popular on fixed indexed annuities. These strategies seek to adjust a proprietary mix of assets to lower volatility back to a desired range and offer more stability to clients over time. Use this monthly report to examine how they perform over time.

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Age Matters

Age Matters

Not long ago, the prospect of living to 100 seemed preposterous. Now, it’s not only plausible, it’s increasingly statistically likely. How can we address this longevity risk in planning for confident retirement? This resource can help advisors and their clients identify questions to consider and educate readers on why age — both chronologically and biologically — matters in preparing successfully for life after work.

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State of the Industry

2019 State of the Fixed Annuity Industry

From sales practices and distribution trends to evolving annuity professional and consumer profiles, the fixed annuity marketplace is continuously changing. In order to succeed, independent distributors are challenged with staying one step ahead of what’s on the horizon. NAFA’s director of research, staff and Education Committee join forces to provide a unique look at the issues impacting your business and how to use this information to survive and thrive in an industry in flux.

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Is Social Security Fair?

Is Social Security Fair?

The design of Social Security benefits appears to promote an even-handed approach; any two U.S. citizens with the same employment history receive the same payment. But because no one is average, a variety of variables that play into actual lifetime payouts. In fact, some beneficiaries could collect $100,000 more than others. This paper delves into the nuances of factors that affect Social Security payouts and answers the age-old question: Is it fair?

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The Need for Stabilizing Social Security

The Need for Stabilizing Social Security

As our country’s worker to retiree ratio continues to drop, the stability of Social Security — a critical resource that’s provided Americans with much-needed retirement funding for 84 years — is being called into question. This paper provides a deeper look at circumstances surrounding Social Security, the anticipated trajectory of the program, and why continued advocacy is essential for securing the future of this benefit and the future of all Americans.

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Is Social Security a Good Investment?

Is Social Security a Good Investment?

An often-voiced comment about Social Security retirement benefits is the belief that one could do a better job than the government on providing his or her own retirement income. Is this true? To find out, Dr. Jack Marrion conducts a comparative analysis of Social Security benefits versus a life-only annuity to determine whether the investment some 193 million wage-earning Americans are making in the system is indeed a good one.

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Archived Research & Insights

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Annuity Perspectives Archive

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