Annuities

Nov. 27: Product shelves are changing as issuers modify their pitch to planners in the wake of the fiduciary rule and wane of traditional wholesaling.

Wholesalers have taken a new tack for a group leery of sales calls, regulation and litigation.

Indeed they are. Not only are they less healthy, they are more likely to worry about not having enough funds for housing, utilities and other necessities.

The proposal aims to simplify tax subsidies by increasing qualified withdrawals from 529s in exchange for scrapping the Coverdell account.

Few Americans have coverage today even though most will need it after they turn 65, LIMRA says.

Far too many financial advisors overlook home equity as part of a retirement income plan.

Experts say 18-to-36-year-olds should take advantage of workplace 401(k) and Roth IRA tax benefits now and shop around for the best savings rates later.

Planners should ask if and how they ingest the drug when looking for a life insurance policy.

The government should promote universal access to retirement savings and give Americans more options for the spend-down phase of retirement, according to the study.