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| athene financial strength ratings: Annuities For Dummies Kerry Pechter, 2023-07-20 Looking for steady retirement income? Read this book! Turning retirement savings into a steady income is a big step toward a worry-free retirement. This book introduces you to how to add annuities to your investment mix. It helps you evaluate how to select the best annuities for your needs and steer clear of the worst. You’ll learn how different types of annuities can help you turn your retirement savings into a monthly paycheck, protect your investments from market ups and downs, postpone taxes, stay in your home for the rest of your life, and even buy long-term care insurance for less.. Written by an annuity thought leader who is a frequent guest-expert on webcasts, podcasts and radio broadcasts as well as editor and publisher of Retirement Income Journal, the book offers the knowledge earned from interviews with hundreds of annuity industry insiders on their own turf. Get insight into which annuities do (or don’t) provide near-retirees and retirees with solid value. Stretch your savings into lifelong income Ask smarter questions when talking to an agent, broker or adviser Retire with less anxiety about the market Feel more in control of your financial life Annuities For Dummies is the must-have guide for anyone making retirement plans or managing their retirement savings. |
| athene financial strength ratings: Life Insurance Fact Book , 1959 |
| athene financial strength ratings: Securities Exchange Act of 1934 as Amended United States. Securities and Exchange Commission, 1934 |
| athene financial strength ratings: The Meaning of Success Jo Bostock, 2014-03-06 The Meaning of Success: Insights from Women at Cambridge makes a compelling case for a more inclusive definition of success. It argues that in order to recognise, reward and realise the talents of both women and men, a more meaningful definition of success is needed. Practical ways of achieving this are explored through interviews with female role models at the University of Cambridge. First-person stories bring alive the achievements and challenges women experience in their working lives, and the effect gender has on careers. The book stimulates a debate about how to bring about a more inclusive working environment. |
| athene financial strength ratings: When Gambling for Resurrection is Too Risky Divya Kirti, 2017-08-07 Rather than taking on more risk, US insurers hit hard by the crisis pulled back from risk taking, relative to insurers not hit as hard by the crisis. Capital requirements alone do not explain this risk reduction: insurers hit hard reduced risk within assets with identical regulatory treatment. State level US insurance regulation makes it unlikely this risk reduction was driven by moral suasion. Other financial institutions also reduce risk after large shocks: the same approach applied to banks yields similar results. My results suggest that, at least in some circumstances, franchise value can dominate, making gambling for resurrection too risky. |
| athene financial strength ratings: Globalization's Limits Prof Dr Dimitris N Chorafas, 2012-08-28 So far there has been only praise for globalization. However, the export wave of China’s manufacturing machine and, more recently, the Global financial crisis show that globalization has limits. Globalization, the internationalization of trade, and financial integration are having enormous implications for businesses as well as for the whole economies of countries or blocks of countries. In this book Dr Chorafas argues that research is now producing evidence that there are limits to such globalization and amalgamation and that these need to be better defined and understood if some of the problems now being identified are to be prevented from applying the brakes, or worse, putting the process into reverse gear. The author examines the impact on countries such as the United States and European Union of occurrences like China's emergence as a massive manufacturing platform and the distortions of trade that result, affecting countries' GDP and creating problems such as uncontrollable current account deficits. He also considers the effect of Sovereign Wealth Funds as new entrants on the scene. These, he argues, are seen by some as 'the Trojan horses of state capitalism', particularly in what he defines as the 'absence of a global sheriff'. Globalization’s Limits looks at the EU and the Euroland as a test of globalization. The conclusions Chorafas draws about the effect on member states of pan-European banking, and the Euro as common currency, have implications for Britain and for the rest of the world. Issues relating to missed opportunities and leadership beg questions such as 'Who, if anybody, is or should be in charge of global monetary policy? |
| athene financial strength ratings: Falling Upwards Richard Holmes, 2013-10-29 **Kirkus Best Books of the Year (2013)** **Time Magazine 10 Top Nonfiction Books of 2013** **The New Republic Best Books of 2013** In this heart-lifting chronicle, Richard Holmes, author of the best-selling The Age of Wonder, follows the pioneer generation of balloon aeronauts, the daring and enigmatic men and women who risked their lives to take to the air (or fall into the sky). Why they did it, what their contemporaries thought of them, and how their flights revealed the secrets of our planet is a compelling adventure that only Holmes could tell. His accounts of the early Anglo-French balloon rivalries, the crazy firework flights of the beautiful Sophie Blanchard, the long-distance voyages of the American entrepreneur John Wise and French photographer Felix Nadar are dramatic and exhilarating. Holmes documents as well the balloons used to observe the horrors of modern battle during the Civil War (including a flight taken by George Armstrong Custer); the legendary tale of at least sixty-seven manned balloons that escaped from Paris (the first successful civilian airlift in history) during the Prussian siege of 1870-71; the high-altitude exploits of James Glaisher (who rose) seven miles above the earth without oxygen, helping to establish the new science of meteorology); and how Mary Shelley, Edgar Allan Poe, and Jules Verne felt the imaginative impact of flight and allowed it to soar in their work. A seamless fusion of history, art, science, biography, and the metaphysics of flights, Falling Upwards explores the interplay between technology and imagination. And through the strange allure of these great balloonists, it offers a masterly portrait of human endeavor, recklessness, and vision. (With 24 pages of color illustrations, and black-and-white illustrations throughout.) |
| athene financial strength ratings: The Business Week , 1993 |
| athene financial strength ratings: Business Week , 1993 |
| athene financial strength ratings: The Theory of State Johann Caspar Bluntschli, 1892 |
| athene financial strength ratings: The Politics Aristotle, 1981-09-17 Twenty-three centuries after its compilation, 'The Politics' still has much to contribute to this central question of political science. Aristotle's thorough and carefully argued analysis is based on a study of over 150 city constitutions, covering a huge range of political issues in order to establish which types of constitution are best - both ideally and in particular circumstances - and how they may be maintained. Aristotle's opinions form an essential background to the thinking of philosophers such as Thomas Aquinas, Machiavelli and Jean Bodin and both his premises and arguments raise questions that are as relevant to modern society as they were to the ancient world. |
| athene financial strength ratings: The Insurance Index , 1936 |
| athene financial strength ratings: Austerity Mark Blyth, 2015 In Austerity: The History of a Dangerous Idea, Mark Blyth, a renowned scholar of political economy, provides a powerful and trenchant account of the shift toward austerity policies by governments throughout the world since 2009. The issue is at the crux about how to emerge from the Great Recession, and will drive the debate for the foreseeable future. |
| athene financial strength ratings: Narratives of Low Countries History and Culture Jane Fenoulhet, Lesley Gilbert, Ulrich Tiedau, 2016-11-07 This edited collection explores the ways in which our understanding of the past in Dutch history and culture can be rethought to consider not only how it forms part of the present but how it can relate also to the future. Divided into three parts – The Uses of Myth and History, The Past as Illumination of Cultural Context, and Historiography in Focus – this book seeks to demonstrate the importance of the past by investigating the transmission of culture and its transformations. It reflects on the history of historiography and looks critically at the products of the historiographic process, such as Dutch and Afrikaans literary history. The chapters cover a range of disciplines and approaches: some authors offer a broad view of a particular period, such as Jonathan Israel's contribution on myth and history in the ideological politics of the Dutch Golden Age, while others zoom in on specific genres, texts or historical moments, such as Benjamin Schmidt’s study of the doolhof, a word that today means ‘labyrinth’ but once described a 17th-century educational amusement park. This volume, enlightening and home to multiple paths of enquiry leading in different directions, is an excellent example of what a past-present doolhof might look like. |
| athene financial strength ratings: Willings Press Guide Clare Redman, 2007-12 This press guide aims to provide a comprehensive, accurate and informative guide to the UK press, both print and broadcast and to give details about the leading newspapers and periodicals in the United Kingdom. |
| athene financial strength ratings: Pension Economics David Blake, 2006-11-02 While not attempting to train readers as professional economists, this book aims to provide a secure grounding in the theory and practice of economics insofar as it deals with pension matters. From reading this book, the user will understand: * The key types of pension scheme * The role of pensions in maximizing individual lifetime welfare * The role of pensions in individual savings and retirement decisions * The role and consequences of the pension plan from the company's viewpoint * The role of pensions in promoting aggregate savings * The role of pensions and retirement in overlapping generations models * The economics of ageing and intergenerational accounting * The social welfare implications of pensions * The lessons of behavioural economics for pensions |
| athene financial strength ratings: Schuman Report on Europe Foundation Schuman, 2012-04-04 The Schuman 2012 Report on the State of the Union is both a reference and a tool. A reference: bringing together contributions from leading specialists, including an interview with Jean-Claude Trichet, former President of the European Central Bank. This Report proposes a novel analytical framework, so that everyone can form his/her opinion on a series of key questions: The European Union and the Crisis : between doubts and necessity Facing the Economic and Financial Crisis: strategy for growth and employment Europe and the New World (Im)balance A tool: with its thirty original colour maps it brings together essential information. The summary of political Europe: analysis of European elections 2011, calendar of the elections in 2012, political and economic representation of women in Europe, normative production of the Union in 2011, European Opinion in 2011 Europe in Figures: a new series of statistics and maps, covering all major current issues (growth, purchasing power, economic policy, demography, immigration, energy, environment, globalization, European policies, ...). The key to understanding the European dynamic. Under the direction of T. Chopin and M. Foucher, the following people have contributed to this book: J-C. Trichet, J. P. Jouyet, M.Barnier, A. Lamassoure, C.Coelho, J. Bitterlich, J-P. Herteman, W. Martens, J-D. Giuliani, P.Hassner, C. de Boissieu, S.Hill, M.Lemoine, N.Gnesotto, L. Martinez, P. Joannin, S. de Corte, B.Aguilera-Barchet, C. Deloy, P-A. Molina, F. Lirzin, S. Paulo. |
| athene financial strength ratings: The Chilly Classroom Climate Bernice Resnick Sandler, 1996 |
| athene financial strength ratings: Ad Lucilium Epistulae Morales Lucius Annaeus Seneca, 1917 |
| athene financial strength ratings: Information Gathering in Classical Greece Frank Santi Russell, 1999 Information Gathering in Classical Greece opens with chapters on tactical, strategic, and covert agents. Methods of communication are explored, from fire-signals to dead-letter drops. Frank Russell categorizes and defines the collectors and sources of information according to their era, methods, and spheres of operation, and he also provides evidence from ancient authors on interrogation and the handling and weighing of information. Counterintelligence is also explored, together with disinformation through leaks and agents. The author concludes this fascinating study with observations on the role that intelligence-gathering has in the kind of democratic society for which Greece has always been famous--Publisher description. |
| athene financial strength ratings: The Transsexual Empire Janice G. Raymond, 1979 This book will be used as a text in women's studies, psychology, sociology, technology and public policy, as well as by medical students, law students, and all who have an interest in feminist issues. |
| athene financial strength ratings: The Design Method Sydney A. Gregory, 2013-11-27 |
| athene financial strength ratings: Oxford Handbook of Synesthesia Julia Simner, Edward M. Hubbard, 2013-12 Synesthesia is a fascinating phenomenon which has captured the imagination of scientists and artists alike. This title brings together a broad body of knowledge about this condition into one definitive state-of-the-art handbook. |
| athene financial strength ratings: Human Behavior and Environment Irwin Altman, Joachim F. Wohlwill, 2012-12-06 The papers comprising this second volume of Human Behavior and the Environment represent, as do their predecessors, a cross section of current work in the broad area of problems dealing with interrelation ships between the physical environment and human behavior, at both the individual and the aggregate levels. Considering the two volumes as a unit, we have included papers covering a broad spectrum of problems ranging from the theoretical to the applied, and from the disciplinary-based to the interdisciplinary and professional. Approxi mately half of the papers are written by psychologists, with the remainder coming, in part, from such other disciplines as sociology, geography, and from such diverse applied and professional fields as natural recreation, landscape architecture, urban planning, and opera tions research. The volumes thus provide an overview of work on current topical problems. Yet, as the field is developing, specialization is inevitably increasing apace, and the editors as well as the publisher have become convinced of the desirability for futu're volumes in this series to be organized along topical lines, with successive volumes devoted to different aspects of this rather sprawling field. Thus, Volume 3, currently in the planning stage, will be devoted exclusively to the interaction of children with the physical environment, considered from diverse viewpoints, again including authors from diverse fields of specialization. |
| athene financial strength ratings: Current Ornithology Volume 17 Charles F. Thompson, 2010-09-09 Current Ornithology publishes authoritative, up-to-date, scholarly reviews of topics selected from the full range of current research in avian biology. Topics cover the spectrum from the molecular level of organization to population biology and community ecology. The series seeks especially to review (1) fields in which an abundant recent literature will benefit from synthesis and organization, or (2) newly emerging fields that are gaining recognition as the result of recent discoveries or shifts in perspective, or (3) fields in which students of vertebrates may benefit from comparisons of birds with other classes. All chapters are invited, and authors are chosen for their leadership in the subjects under review. |
| athene financial strength ratings: An Hour from Paris Annabel Simms, 2017-08 Discover half-hidden châteaux and artists' country houses; walk, boat or dance by the river; explore old towns and country footpaths; and eat in family-run restaurants with 1950s decor--and prices to match. Based on over 20 years' experience of exploring the Paris countryside by train, each visit includes the essential historical context and practical information to help you discover places unknown to many Parisians. Written with humor and a flair for the unusual and authentic, the text is illustrated with original photos and local maps. It includes a unique guide to using the excellent local train network. |
| athene financial strength ratings: The Invisible Tapestry George D. Kuh, Elizabeth J. Whitt, 1988-02-13 The properties of institutional culture are identified, and the way cultural perspectives have been used to describe life in colleges and universities are examined. Seven sections cover the following: cultural perspectives (the warrant for the report, organizational rationality, the remaining sections); culture defined and described (toward a definition of culture, properties of culture, levels of culture); intellectual foundations of culture (anthropology, sociology); a framework for analyzing culture in higher education (the external environment, the institution, subcultures, individual actors); threads of institutional culture (historical roots and external influences, academic program, the personnel core, social environment, artifacts, distinctive themes, individual actors); institutional subcultures (faculty subculture, student culture, administrative subcultures); and implications of cultural perspectives (a summary of cultural properties, implications for practice, inquiry into culture in higher education). Techniques of inquiry appropriate for studying culture include observing participants, interviewing key informants, conducting autobiographical interviews, and analyzing documents. By viewing higher education institutions as cultural enterprises, it may be possible to learn how the college experience contributes to divisions of class, race, gender, and age within the institution as well as throughout society, how a college or university relates to its prospective, current, or former students, and how to deal more effectively with conflicts between competing interest groups. Contains over 340 references. (SM) |
| athene financial strength ratings: American Stone Trade , 1913 |
| athene financial strength ratings: Beyond Nineteen Eighty-four William Lutz, 1989 This book probes the efforts at manipulation individuals face daily in this information age and the tactics of persuaders from many sectors of society using various forms of Orwellian doublespeak. The book contains the following essays: (1) Notes toward a Definition of Doublespeak (William Lutz); (2) Truisms Are True: Orwell's View of Language (Walker Gibson); (3) Mr. Orwell, Mr. Schlesinger, and the Language (Hugh Rank); (4) What Do We Know? (Charles Weingartner); (5) The Dangers of Singlespeak (Edward M. White); (6) The Fallacies of Doublespeak (Dennis Rohatyn); (7) Doublespeak and Ethics (George R. Bramer); (8) Post-Orwellian Refinements of Doublethink: Will the Real Big Brother Please Stand Up? (Donald Lazere); (9) Worldthink (Richard Ohmann); (10)'Bullets Hurt, Corpses Stink': George Orwell and the Language of Warfare (Harry Brent); (11) Political Language: The Art of Saying Nothing (Dan F. Hahn); (12) Fiddle-Faddle, Flapdoodle, and Balderdash: Some Thoughts about Jargon (Frank J. D'Angelo); (13) How to Read an Ad: Learning to Read between the Lies (D. G. Kehl); (14) Subliminal Chainings: Metonymical Doublespeak in Advertising (Don L. F. Nilsen); (15) Doublespeak and the Polemics of Technology (Scott Buechler); (16) Make Money, Not Sense: Keep Academia Green (Julia Penelope); (17) Sensationspeak in America (Roy F. Fox); and (18) The Pop Grammarians--Good Intentions, Silly Ideas, and Doublespeak (Charles Suhor). Three appendixes are attached: The George Orwell Awards,The Doublespeak Award, and The Quarterly Review of Doublespeak. (MS) |
| athene financial strength ratings: Pension and Annuity Income United States. Internal Revenue Service, 1990 |
| athene financial strength ratings: 10 Women Who Changed Science and the World Catherine Whitlock, Rhodri Evans, 2019-06-11 Spanning the nineteenth and twentieth centuries, this fascinating history explores the lives and achievements of great women in science across the globe. Ten Women Who Changed Science and the World tells the stories of trailblazing women who made a historic impact on physics, biology, chemistry, astronomy, and medicine. Included in this volume are famous figures, such as two-time Nobel Prize winner Marie Curie, as well as individuals whose names will be new to many, though their breakthroughs were no less remarkable. These women overcame significant obstacles, discrimination, and personal tragedies in their pursuit of scientific advancement. They persevered in their research, whether creating life-saving drugs or expanding our knowledge of the cosmos. By daring to ask ‘How?’ and ‘Why?’, each of these women made a positive impact on the world we live in today. In this book, you will learn about: Astronomy Henrietta Leavitt (United States, 1868–1921) discovered the period-luminosity relationship for Cepheid variable stars, which enabled us to measure the size of our galaxy and the universe. Physics Lise Meitner (Austria, 1878–1968) fled Nazi Germany in 1938, taking with her the experimental results which showed that she and Otto Hahn had split the nucleus and discovered nuclear fission. Chien-Shiung Wu (United States, 1912–1997) demonstrated that the widely accepted ‘law of parity’, which stated that left-spinning and right-spinning subatomic particles would behave identically, was wrong. Chemistry Marie Curie (France, 1867–1934) became the only person in history to have won Nobel prizes in two different fields of science. Dorothy Crowfoot Hodgkin (United Kingdom, 1910–1994) won the Nobel Prize for Chemistry in 1964 and pioneered the X-ray study of large molecules of biochemical importance. Medicine Virginia Apgar (United States, 1909–1974) invented the Apgar score, used to quickly assess the health of newborn babies. Gertrude Elion (United States, 1918–1999) won the Nobel Prize for Physiology or Medicine in 1988 for her advances in drug development. Biology Rita Levi-Montalcini (Italy, 1909–2012) won the Nobel Prize for Physiology or Medicine in 1986 for her co-discovery in 1954 of Nerve Growth Factor (NGF). Elsie Widdowson (United Kingdom, 1906–2000) pioneered the science of nutrition and helped devise the World War II food-rationing program. Rachel Carson (United States, 1907–1964) forged the environmental movement, most famously with her influential book Silent Spring. |
| athene financial strength ratings: Reptile Biodiversity Roy W. McDiarmid, 2012-01-10 “Authoritative and comprehensive—provides an up-to-date description of the tool box of methods for inventorying and monitoring the diverse spectrum of reptiles. All biodiversity scientists will want to have it during project planning and as study progresses. A must for field biologists, conservation planners, and biodiversity managers.”—Jay M. Savage, San Diego State University “Kudos to the editors and contributors to this book. From the perspective of a non-ecologist such as myself, who only occasionally needs to intensively sample a particular site or habitat, the quality and clarity of this book has been well worth the wait.”—Jack W. Sites, Jr. |
| athene financial strength ratings: Financial Soundness Indicators for Financial Sector Stability in Viet Nam Asian Development Bank, 2015-09-01 Financial soundness indicators (FSIs) are methodological tools that help quantify and qualify the soundness and vulnerabilities of financial systems according to five areas of interests: capital adequacy, asset quality, earnings, liquidity, and sensitivity to market risk. With support from the Investment Climate Facilitation Fund under the Regional Cooperation and Integration Financing Facility, this report describes the development of FSIs for Viet Nam and analyzes the stability and soundness of the Vietnamese banking system by using these indicators. The key challenges to comprehensively implementing reforms and convincingly addressing the root causes of the banking sector problems include (i) assessing banks' recapitalization needs, (ii) revising classification criteria to guide resolution options, (iii) recapitalization and restructuring that may include foreign partnerships, (iv) strengthening the Vietnam Asset Management Company, (v) developing additional options to deal with nonperforming loans, (vi) tightening supervision to ensure a sound lending practice, (vii) revamping the architecture and procedures for crisis management, and (viii) strengthening financial safety nets during the reform process. |
| athene financial strength ratings: President's Annual Address Prudential Insurance Company of America, 1919 |
| athene financial strength ratings: Elizabeth Macarthur Michelle Scott Tucker, 2018-04-02 ‘An intimate portrait of a woman who changed herself and Australia...Michelle Scott Tucker makes Elizabeth Macarthur step off the page.’ David Hunt , Author of Girt In 1788 a young gentlewoman raised in the vicarage of an English village married a handsome, haughty and penniless army officer. In any Austen novel that would be the end of the story, but for the real-life woman who became an Australian farming entrepreneur, it was just the beginning. John Macarthur took credit for establishing the Australian wool industry and would feature on the two-dollar note, but it was practical Elizabeth who managed their holdings—while dealing with the results of John’s manias: duels, quarrels, court cases, a military coup, long absences overseas, grandiose construction projects and, finally, his descent into certified insanity. Michelle Scott Tucker shines a light on an often-overlooked aspect of Australia’s history in this fascinating story of a remarkable woman. Michelle Scott Tucker owns and operates a management consulting company, and lives on a small farm in regional Victoria with her husband and children. Elizabeth Macarthur is her first book. ‘Tucker’s great achievement is to have scraped back the familiar historical material to uncover a fresh and compelling portrait of Elizabeth Macarthur in her own words and the words of those who knew her.’ Australian ‘In writing this lively, entertaining and profoundly empathetic biography, [Tucker] has also brought other colonial women out of the shaows and told their story too...There are not many biographies or histories of Australia that are unputdownable, but this one is. Highly recommended!’ ANZ LitLovers 'The triumphs and trials of Elizabeth Macarthur, a capable business woman and dedicated wife and mother, are given their due in this impressively researched biography.’ Brenda Niall ‘This carefully researched history is a highly interesting read that highlights the importance of women in the settlement of New South Wales.’ Otago Daily Times 'Finally, Elizabeth Macarthur steps out from the long shadow of her infamous, entrepreneurial husband. In Michelle Scott Tucker’s devoted hands, Elizabeth emerges as a canny businesswoman, charming diplomat, loving mother and indefatigable survivor. A fascinating, faithful portrait of a remarkable woman and the young, volatile colony she helped to build.’ Clare Wright ‘A nourishing, fascinating, and eye-opening read.’ Alpha Reader ‘Tucker expertly details the trials, tragedies and triumphs of the early settlement of NSW...This book is an important historical memoir documenting the incredible life of an Australian pioneer and her role as the matriarch of one of Australia’s first agricultural dynasties.’ Countryman ‘Elizabeth Macarthur: A Life at the Edge of the World is a great read. It crafts a compulsive story with good research, giving a convincing look into colonial New South Wales. It offers the pleasures of fine biography in tracing one person’s life in all its seasons, through its successes and failures, joys and miseries.’ NathanHobby blog ‘A stunning and intimate look at Elizabeth [Macarthur] and the family’s lives...Should be required reading in schools...An informative and learned look at colonial history.’ AU Review |
| athene financial strength ratings: Life, Health & Annuity Reinsurance John E. Tiller, Denise Fagerberg Tiller, 2015 Life, Health, & Annuity Reinsurance addresses the many issues and considerations involved in reinsurance for life, health and annuity companies. Although written by actuaries, it may be read by anyone interested in the topic and does not require an actuarial background-- |
| athene financial strength ratings: Life Insurance in Europe Marta Borda, Simon Grima, Ilona Kwiecień, 2021-10-23 This book examines the challenges for the life insurance sector in Europe arising from new technologies, socio-cultural and demographic trends, and the financial crisis. It presents theoretical and applied research in all areas related to life insurance products and markets, and explores future determinants of the insurance industry’s development by highlighting novel solutions in insurance supervision and trends in consumer protection. Drawing on their academic and practical expertise, the contributors identify problems relating to risk analysis and evaluation, demographic challenges, consumer protection, product distribution, mortality risk modeling, applications of life insurance in contemporary pension systems, financial stability and solvency of life insurers. They also examine the impact of population aging on life insurance markets and the role of digitalization. Lastly, based on an analysis of early experiences with the implementation of the Solvency II system, the book provides policy recommendations for the development of life insurance in Europe. |
| athene financial strength ratings: Property & Casualty Insurance (Core with Georgia) , 2021-11 |
| athene financial strength ratings: The French Revolution Thomas Carlyle, 1982 |
| athene financial strength ratings: Safety-First Retirement Planning Wade Donald Pfau, 2019-10 Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan. |
Leading Annuity & Retirement Services Provider | Athene
Live retirement with financial freedom that Athene's annuities, services & expertise can provide. Athene, the leading annuity provider that’s driven by your goals.
Login - Financial Professionals & Producers - Athene
Log in to Athene Connect (for Financial Professionals) Athene Connect is the information portal for Athene producers. You need an active contract with Athene Annuity and Life Company in …
Company Story & History - Athene
Athene is a leading retirement services company that is focused on providing financial security to retirees. Since its founding in 2009, Athene has diligently built diversified organic growth …
Fixed Annuities for Retirement Investment (FA) - Athene
Athene's fixed annuities (FA) provide tax-deferred growth at a fixed rate of interest set for a predetermined amount of time during retirement. Contact us today!
Frequently Asked Questions | Athene
Protecting savings in turbulent times. Creating lifetime income for a secure retirement. At Athene, we’re always reaching higher so you retire better.
Athene Connect | Resources for financial professionals
Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. We create opportunities for your clients and for you with competitive annuity solutions …
Annuities 101: Guide to Annuity Types & Benefits - Athene
Athene's 101 Guide is an introduction to annuity types, how annuities work, & compare annuity benefits in this comprehensive retirement & annuities 101 Guide.
Annuities: How To Factor Age And Inheritance | Athene
At Athene, gender is factored in on Single Premium Immediate Annuities (SPIAs) with a life-contingent payout, but not on period-certain-only or deferred-annuity income riders. What is the …
Contact Us - Athene
Contact Athene for assistance with individual or group retirement plans, we are here to help.
Athene Holding Ltd.
Mar 13, 2024 · Athene is a leading retirement services company with over $380 billion of total assets as of March 31, 2025, and operations in the United States, Bermuda, Canada, and Japan.
Leading Annuity & Retirement Services Provider | Athene
Live retirement with financial freedom that Athene's annuities, services & expertise can provide. Athene, the leading annuity provider that’s driven by your goals.
Login - Financial Professionals & Producers - Athene
Log in to Athene Connect (for Financial Professionals) Athene Connect is the information portal for Athene producers. You need an active contract with Athene Annuity and Life Company in …
Company Story & History - Athene
Athene is a leading retirement services company that is focused on providing financial security to retirees. Since its founding in 2009, Athene has diligently built diversified organic growth …
Fixed Annuities for Retirement Investment (FA) - Athene
Athene's fixed annuities (FA) provide tax-deferred growth at a fixed rate of interest set for a predetermined amount of time during retirement. Contact us today!
Frequently Asked Questions | Athene
Protecting savings in turbulent times. Creating lifetime income for a secure retirement. At Athene, we’re always reaching higher so you retire better.
Athene Connect | Resources for financial professionals
Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. We create opportunities for your clients and for you with competitive annuity solutions …
Annuities 101: Guide to Annuity Types & Benefits - Athene
Athene's 101 Guide is an introduction to annuity types, how annuities work, & compare annuity benefits in this comprehensive retirement & annuities 101 Guide.
Annuities: How To Factor Age And Inheritance | Athene
At Athene, gender is factored in on Single Premium Immediate Annuities (SPIAs) with a life-contingent payout, but not on period-certain-only or deferred-annuity income riders. What is …
Contact Us - Athene
Contact Athene for assistance with individual or group retirement plans, we are here to help.
Athene Holding Ltd.
Mar 13, 2024 · Athene is a leading retirement services company with over $380 billion of total assets as of March 31, 2025, and operations in the United States, Bermuda, Canada, and Japan.
