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(Click for frequent words.) 74 annuities 71 annuity 71 variable annuity 71 variable annuities 66 Annuities 64 deferred annuities 64 indexed annuities 63 indexed annuity 63 Variable annuity 61 Variable Annuity 61 Variable Annuities 61 Fixed annuities 60 GMWB 60 deferred annuity 58 GMWBs 58 BOLI COLI 58 Annuity 58 Variable annuities 58 Fixed annuity 58 Stable Value 58 equity indexed annuities 57 Indexed annuities 57 Fixed Annuity 57 Income Annuities 57 GICs 56 fixed indexed annuities 56 Fixed Annuities 55 annuitization 54 Variable Universal 54 ROP Term 54 ULIP 54 mutual funds 54 VUL 54 Immediate annuities 53 Ulips 53 equity indexed annuity 53 Defined Contribution 53 ULIPs 52 GMIB 52 subaccounts 52 TIAA Traditional 52 MasterDex 51 IRAs 51 COLI BOLI 51 LTFs 51 noninterest bearing deposits 51 Segregated funds 51 wirehouse channel 51 policyholder dividends 51 Kehrer LIMRA 50 Ulip 50 LTCi 50 premiums 50 Unit Linked 50 deferred variable annuity 50 muni bond 50 Critical Illness 50 IncomePlus 50 Guaranteed Minimum Withdrawal Benefit 50 Defined Benefit 50 Life Insurance 50 Roth IRAs 49 Variable annuity sales 49 GMDB 49 SIPPs 49 IRA Roth IRA 49 LTCI 49 viaticals 49 Symetra 49 inforce premium 49 LIMRA 49 reinsurance 49 Principal LifeTime 49 CEFs 49 Traditional IRAs 49 rollover IRAs 49 Withdrawal Benefit 49 Individual Annuities 49 variable annuity guarantees 49 Retirement Plan 49 Guaranteed Lifetime 49 bancassurance 48 deferred variable annuities 48 BOLI 48 insurance BOLI 48 LifeGuard Freedom 48 Limra 48 muni bond funds 48 HSAs 48 noninterest bearing checking 48 Retirement Income 48 IncomeFlex 48 annuitized 48 Medicare Supplement 48 Fixed Maturity Plans 48 FMPs 48 mortgage loan originations 47 PPNs 47 VARDS 47 MetLife 47 Coverdell ESAs 47 reverse convertibles 47 DAC unlocking 47 SunWise Elite Plus 47 Guaranteed Minimum Withdrawal 47 annuitizing 47 Med Supp 47 NYLIM Retirement Plan 47 Bancassurance 47 Separate Account 47 Sipps 47 RiverSource Life 47 Premiums 47 IRA rollovers 47 convertible arbitrage strategies 47 fixed indexed annuity 47 EquiTrust Life 47 LIMRA International 46 muni bonds 46 mutual fund 46 callable CDs 46 AmerUs 46 Disability Insurance 46 Ginnie Maes 46 Symetra Life 46 Unit Investment Trusts 46 bancassurance channel 46 EquiTrust 46 annuitize 46 Roth IRA 46 CREF Stock 46 Immediate Annuity 46 medically underwritten 46 FEGLI 46 MCCSR ratio 46 Admin Re 46 HSA 46 noninterest 46 collateralized reinsurance 46 CDARS 46 insurance 46 trust preferreds 46 Earned premiums 46 Brokered CDs 46 hardship withdrawals 46 Pruco Life Insurance 46 AXA Equitable 46 policyowners 46 ultrashort bond 46 policyholder surplus 46 Conseco Insurance 46 inverse leveraged 46 Stakeholder pensions 46 Defined contribution 45 underwriting 45 decumulation 45 traditional IRAs 45 muni bond ETFs 45 Plans ULIPs 45 Unitrin Specialty 45 ANICO 45 Savings Accounts 45 Oeics 45 Hueler 45 CDHPs 45 ROAs 45 noninsurance 45 Hartford Mutual Funds 45 High Deductible 45 Emigrant Direct 45 RRSPs 45 Separate Accounts 45 HECMs 45 HumanaOne 45 LNL Agency 45 policyholders 45 nonqualified retirement 45 Indexed Universal 45 bancassurers 45 GNMA 45 persistency 45 IRA rollover 45 HDHPs 45 Actuarial Guideline 45 UITs 45 PruProtect 45 casualty reinsurance 45 Securian 45 leveraged ETFs 45 lapsation 45 Asset Accumulation 45 IUL 45 disciplined underwriting 45 Flexible Lifetime 45 Variable Annuities NAVA 45 GMAB 45 Prudential Annuities 45 RiverSource 45 Persistency 45 Equity indexed annuities 45 Retirement Annuity 45 COLI 45 Rollover IRA 45 FDIC insured 45 OEICs 45 mortgage originations 45 Premium persistency 45 stakeholder pensions 45 MMFs 45 ILWs 45 Genworth 44 Fourgous transfers 44 mediclaim policies 44 variable annuities mutual 44 foundations endowments 44 catastrophe reinsurance 44 inforce 44 Equity Linked 44 IFAs 44 casualty insurance 44 MedAmerica 44 nonstandard automobile 44 CastlePoint Re 44 Cautious Managed 44 Policyholder 44 policyholder 44 annuities Allianz 44 HELOCs 44 takaful 44 Principal LifeTime Funds 44 RMFs 44 Nonqualified 44 Limra International 44 InvestorSure CD 44 reinsures 44 reinsurance treaties 44 NYSE AEL 44 Laddering 44 subadvised 44 Hiscox Guernsey 44 Lifestyle Portfolios 44 Mortgage Backed Securities 44 inherited IRAs 44 Ivy Funds 44 stakeholder CTFs 44 Inviva 44 Investment Certificates GICs 44 ETFs ETNs 44 deductible IRAs 44 Mr. Mathas 44 Nationwide YourLife 44 Nationwide L.inc 44 HSA HDHP 44 Ameriprise 44 PRSAs 44 Critical Illness Insurance 44 mezzanine tranches 44 unitised 44 Takaful 44 TIAA 44 Jerry Miccolis 44 UMAs 44 CIRe 44 SecurePath 44 insureds 44 AIG VALIC 43 No Lapse Guarantee 43 ING Asigurari de Viata 43 Torchmark 43 provident funds 43 Jeevan Aastha 43 SIPP 43 PPO HMO 43 noninterest bearing deposit 43 policyowner 43 Defined Contribution DC 43 asset allocation 43 downward repricing 43 Ascensus 43 Bajaj Allianz Life 43 Isas 43 Loan originations 43 FEHBP enrollees 43 CDPCs 43 UNIFI Companies 43 Variable annuity deposits 43 Bima Nivesh 43 NBV margin 43 reimbursement arrangements HRAs 43 Oeic 43 FAFLIC 43 Individual Savings Accounts 43 PFFS 43 nondeductible IRA 43 RIMS Benchmark Survey 43 Voluntary Benefits 43 RRIF 43 ULIPS 43 CommInsure 43 NetBank Saver 43 Individual Retirement Arrangement 43 SunWise Elite 43 Expense ratios 43 XLFA 43 PERLS 43 Property Casualty 43 k rollovers 43 Diversified Yield 43 Ameritas 43 Sharpe Ratio 43 subadvisory 43 MVAs 43 McMorgan 43 PFFS plans 43 FDIC insured deposits 43 Equity Indexed Annuity 43 chequing accounts 43 Individual Retirement Accounts 43 Genworth Financial NYSE GNW 43 BarraOne 43 Defined Returns 43 Advantus 43 noninterest income 43 PVNBP 43 SMSFs 43 Fidelity Investments Vanguard 43 Rollover IRAs 43 DPAC amortization 43 #k #b 43 CDHP enrollees 43 First Ameritas Life 43 ISAs 43 Prudential IncomeFlex 43 multiline insurers 43 Lehman Aggregate 43 GLWB 43 Slome notes 43 APYs 43 perpetual debentures 43 preneed 43 Personal Lines 43 IRAs annuities 43 Family Takaful 42 AnnuityNet 42 SunAmerica Financial 42 Fac Re 42 Medicare Advantage 42 Ucits 42 Retirement Plans 42 i4LIFE R Advantage 42 JNL 42 accounts HSAs 42 life assurers 42 Jeevan Varsha 42 NJBEST 42 VGLI 42 Finetre 42 tax advantaged 42 gross AER 42 spousal IRA 42 VAs 42 takaful operators 42 NQDC 42 subaccount 42 mso font pitch 42 Specialty Lines 42 nonlife insurance 42 Medicare Advantage PFFS 42 broker dealers 42 annuitants 42 CDHP 42 MainStay Funds 42 LifeSearch 42 lifestyling 42 Curian 42 passbook accounts 42 Jeevan Akshay 42 HNW 42 WholesaleInsurance.net 42 Pensions SIPPs 42 policyholder retention 42 ScotiaFunds 42 LDI strategies 42 GRATs 42 TFSA 42 Vantis Life 42 UITFs 42 Ternian 42 Fiserv ISS 42 Securian Financial Services 42 brokered deposits 42 TERs 42 Pension SIPP 42 AALTCI 42 reinsuring 42 Asset Allocation 42 Solo #k 42 Asset Allocation Funds 42 Janus Contrarian 42 Retirement Annuities 42 ROTH IRA 42 municipals 42 FDIC indemnification asset 42 elective deferral 42 Vanguard GNMA fund 42 FDIC insured institutions 42 multifamily mortgage originations 42 MoneyGuard 42 SBLI USA 42 Sipp 42 munis 42 Mutual Funds 42 Statutory surplus 42 recordkeepers 42 Excess Workers Compensation 42 shorter maturities 42 Vanguard GNMA 42 SMART# ® 42 Reinsurance 42 Individual Annuity 42 Unitrin Direct segment 42 AmerUs Group 42 CDARs 42 Coverdells 42 keyman insurance 42 Securian Retirement 42 HELOC 42 Simply Unum 42 Surrender Value 42 CastlePoint Insurance 42 HDFC Prudence 42 TFSAs 42 loan originations 42 reinvested distributions 42 PUTs 42 MVRs 42 Gentle EVER 42 loan originations totaled 42 Unit Trusts 42 viatical settlements 42 unitrust 42 Guaranteed Minimum Income 42 refundings 42 wirehouses 42 FDIC Insured 42 Guaranteed Minimum Death 42 IRA Individual Retirement 42 Fixed Rate ISA 42 Multi Peril 42 Savings Maximiser 42 Saving Schemes 41 Princor 41 originations 41 Coverages 41 nonretirement accounts 41 CDARS deposits 41 VIST Insurance 41 Radian Guaranty 41 RESPs 41 HECM 41 AXA Distributors LLC 41 Vantagepoint 41 Mr Modray 41 OMFN 41 Deposit Account 41 SSASs 41 Catastrophe losses 41 reinsurers 41 ShareBuilder #k 41 rollover IRA 41 Managed Portfolios 41 TSX SLF 41 AXA 41 ParallelPay 41 Multimanager 41 written NPW 41 ARM MBS 41 SMSF 41 PRAs 41 hybrid ARMs 41 SBLIC 41 VIX futures 41 conforming mortgages 41 YieldPlus Fund 41 Reverse Mortgages 41 nondeposit investment 41 Underwriting 41 FDIC insures 41 nonprime mortgage 41 casualty insurers 41 Taft Hartley 41 unsecured unsubordinated debt 41 cedant 41 OEIC 41 Surplus Lines 41 JG Wentworth 41 FDIC insured certificates 41 Wealth Management 41 Reinsurance Assumed 41 superlong JGBs 41 Average noninterest bearing 41 Reverse Mortgage Loans 41 deposits FDs 41 nonadmitted 41 Bima Plus 41 Merastar Insurance 41 GMWB rider 41 #l k 41 temporary impairments 41 JHRPS 41 Bajaj Allianz 41 Managed Accounts 41 ELSS 41 plain vanilla mortgages 41 AssetMark 41 Defined Benefit Plans 41 Agency MBS 41 wirehouse 41 Brokered deposits 41 BondEdge 41 RateWatch 41 Identity Theft Resolution 41 SSgA 41 SF CDO exposure 41 Self Invested Personal 41 nongroup 41 LAE ratio 41 HMO PPO 41 inverse ETFs 41 Deerbrook ® Insurance 41 Overhead Expense 41 WAEPA 41 Savings Certificates 41 mortgages 41 retrocessional 41 UMBFS 41 Radian Asset 41 RAAs 41 uncorrelated returns 41 IRA withdrawals 41 spokesman Bob DeFillippo 41 LIBOR indexed 41 RDSPs 41 Ucits funds 41 rate mortgages ARMs 41 Medigap policies 41 Hardship withdrawals 41 AVCs 41 Epack 41 NAB MLC 41 inflation indexed 41 Altegris Companies 41 investable indices 41 Unum 41 diversifiers 41 RRSP withdrawals 41 mortgage 41 SCNYL 41 BABs 41 VGBL 41 ShareBuilder.com 41 iPath ETNs 41 Isa wrapper 41 BNY Asset Management 41 HECM loans 41 Insured Retirement Solutions 41 AultCare 41 PLANCO 41 QDIA 41 lakh folios 41 solutions Gengsheng sells 40 Cash ISAs 40 unlinked shekel 40 Adjustable Rate Mortgages ARMs 40 SMART# 40 Reinsurance recoverables 40 AMLP 40 FDIC insured CDs 40 Ucits compliant 40 Meiji Yasuda 40 ETFS Silver Trust 40 insurers 40 self insured retentions 40 SHKPI 40 Scottish Provident 40 nonqualified deferred compensation 40 Short Duration 40 accounts SMAs 40 IRAs Roth IRAs 40 expense ratios MERs 40 noninterest bearing 40 FIAs 40 COLI policies 40 Thrift Savings Plan 40 variable annuity hedging 40 securitized pools 40 PruLife 40 BSLI 40 MPLI 40 cedents 40 AmeriLife 40 SIMPLE IRA 40 Lifetime Withdrawal 40 Regular Saver 40 ceding commissions 40 noninterest expense decreased 40 underwritings 40 GAFRI 40 Gross Written Premiums 40 CMHC insured mortgages 40 Canara Robeco Equity 40 VNB 40 gain amplifiers VGAs 40 Hiscox Bermuda 40 unamortized premiums 40 rebalanced annually 40 USAble Life 40 Isa savers 40 EAPs 40 SponsorMatch 40 term Shahar unlinked 40 UILIC 40 muni ETFs 40 Mortgage HECM 40 laddered portfolio 40 Deductibles 40 nonlife 40 Managed Futures 40 Coverdell ESA 40 GNY 40 reinsurance Hannover Re 40 Retirement Savings Account 40 subaccounts serviced 40 passbook savings 40 Lloyd syndicates 40 PRIAC 40 muni yields 40 PV NIM 40 lien RMBS 40 preferreds 40 investment advisors RIAs 40 Pension Plans 40 Indexed UL 40 Loan Facilitation Services 40 Ssas 40 maturities 40 monoline 40 CLO tranches 40 & Pensions Moneyfacts 40 Core Fixed Income 40 NYSE GNW 40 paydowns 40 gilts 40 GIC 40 Morningstar Advisor Workstation 40 Athena UL 40 TruPS 40 AnnuityNet Platform 40 Fahlund 40 Pioneer Funds Distributor 40 LTCG 40 Rydex SGI 40 Health Reimbursement Arrangements 40 Nationwide YourLife SM 40 Reverse convertibles 40 atypical antipsychotic drugs 40 Fixed Income Arbitrage 40 Lifecycle Funds 40 VPAS R 40 Cigna discontinued 40 insured 40 HDHP HSA 40 ETF Portfolios 40 HNIs 40 MullinTBG 40 UCITS III 40 Segregated Funds 40 Life Insurance BSLI 40 Retirement Accounts 40 merchant bankcard 40 Hybrid ARMs 40 residential mortgage originations 40 Retirement Savings 40 uninvested cash 40 Slome explains 40 Adjustable Rate Mortgage 40 BCR Asigurari de Viata 40 Coverdell Education 40 eHealthInsurance.com 40 Ucits hedge 40 UPCIC 40 IOLTA accounts 40 RMDs 40 OBPI 40 Critical Illness Cover 40 ICICI Pru 40 savers 40 superannuation 40 insured depository institutions 40 PPF NSC 40 RRSP contributions 40 HealthMarkets 40 gross pa AER 40 Lipper peer 40 CPFIS 40 ABCP conduits 40 mortgagebacked securities 40 JennisonDryden 40 assurers 40 comparably rated 40 AmTrust 40 broadly diversified 40 prepayment speeds 40 FundsNetwork 40 QROPS 40 nonqualified 40 concessionally taxed 40 Schwab NASDAQ SCHW 40 ETNs 40 taxable munis 40 Medigap 40 RRSP 40 FirstComp 40 underwrites specialty 40 MetLife variable annuity 40 MFs 40 nbAccelerator 40 HDHP 40 Long Term Disability 40 Wealth2k 40 cash Isas 40 marketwide rollover 40 ICMA RC 40 ELSS schemes 40 SEP IRAs 40 VANTAGE ONE 40 QwickRate 40 noninterest bearing transaction 40 Tax Saver 40 HDFC Taxsaver 40 OptiMix 40 MFOs 40 adjustables 40 DTRIC 40 PPO POS 40 Genworth Financial Inc. 40 FDIC insured savings 40 Customer Repo 40 Assurant 40 counterparty exposures 40 Proformance Insurance 40 Exchange Traded Funds 40 THB# #mn 40 ALTIN 40 subaccounting 40 microinsurance 40 Finite Risk segment 40 loan chargeoffs 40 ILPs 40 pensions endowments 40 FoFs 40 PGB Trust 40 iShares ETFs 40 TIAA Teachers 40 TAGP 40 Inflation Protected 40 THE SAVINGS GAME 40 Roth IRA withdrawals 40 Instant Saver 40 Health Savings Account 39 Professional Liability 39 Kitces 39 MXN# #mn 39 premia 39 monoline exposure 39 lenders SVRs 39 IBNR 39 perpetual preferreds 39 CGM Realty 39 Fidelity FundsNetwork 39 AmerInst 39 HNW individuals 39 ceded reinsurance 39 Morningstar Managed Portfolios 39 nondiversified 39 Coverdell accounts 39 Assurant Solutions 39 eSaver account 39 Allmerica 39 Unum www.unum.com 39 principal paydowns 39 ClearCourse 39 repo counterparties 39 GBP#.#b 39 Ginnie Mae HMBS 39 medigap 39 Variable Annuity Life 39 Roth IRA conversions 39 CMTPL 39 LTVs 39 Individual Retirement Account 39 guaranty associations 39 MGUs 39 PrimeVest 39 FAIR Plan 39 NYSE MET 39 BlueOptions 39 coverages 39 GHESP 39 Retirement Savings Accounts 39 CoreSource 39 TOBs 39 Rydex 39 CMBS delinquency 39 RRSPs RRIFs 39 MNYL 39 Cautious Managed sector 39 Insurance 39 AllianceBernstein Investments 39 HRAs 39 Health Savings Accounts 39 Lehman Brothers Aggregate Bond 39 lifecos 39 multistrategy 39 Convertible Arbitrage 39 Encompass Insurance 39 Giftrust 39 Case persistency 39 AUCTION RESULTS 39 Bank Leumi USA 39 chargeoffs 39 ING IUL Global 39 Kotak MF 39 Quotential 39 Forethought 39 insurance premiums 39 multicap funds 39 IFS ratings 39 Installment Loans 39 property catastrophe reinsurance 39 Balanced Managed 39 inforce premiums 39 subaccounting fees 39 FCDU 39 subprime loans 39 taxables 39 Clerical Medical 39 FirstChoice 39 HSA enrollees 39 Manulife 39 FundVest 39 SunAmerica 39 SWYPX 39 Commodities FICC 39 CDO squared transactions 39 NYLIM 39 Fiduciary Warranty 39 REWARDChecking ® 39 Invesco Aim 39 Curian Capital 39 Gramercy Realty 39 RRIFs 39 custom folding carton 39 NYSE PRU 39 PVNBP basis 39 Fixed Rate Mortgages 39 Mainspring Managed 39 leveraged inverse ETFs 39 FOLIOfn Investments Inc. 39 Bonds ETFdb Category 39 reinsured 39 LifeCare Benefit 39 variable annuity reinsurance 39 AXA Equitable Life 39 Nippon Life 39 Altegris 39 DRIPs 39 RMBSs 39 subadvises 39 Assurant AIZ 39 Jeevan Shree 39 Medicare Supplement Earned 39 convertible arbitrage 39 Unfunded Liability 39 RMBS CMBS 39 TimesSquare Capital Management 39 repricing downward 39 IFMG 39 HSA compatible 39 PPC LOAN 39 Folios 39 Interest Expense Interest expense 39 Ameriana 39 nondeductible IRAs 39 dated JGBs 39 Discounted Gift 39 grantor trusts 39 VRDOs 39 AEGON 39 annuitisation 39 StanCorp Investment 39 AUMs 39 VIX ETNs 39 SIMPLE IRAs 39 PDP MLR 39 actuarially 39 iShares Funds 39 Protected Withdrawal Value 39 edgeConnect 39 Allianz Life 39 mediclaim 39 Unitrin Direct 39 HealthCompare 39 MF Declares Dividend 39 BlackRock iShares 39 Lasaco 39 viatical settlement 39 decumulation phase 39 Alternatively Secured 39 WTDirect 39 Mavrix Mutual Funds 39 UNICARE 39 CD laddering 39 CCRCs 39 Kisan Vikas Patra 39 accretable 39 Deerbrook ® 39 Boscia 39 moneyback 39 Hueler Companies 39 Advisor Workstation 39 Millea Holdings Inc. 39 convertible preferreds 39 Scottish Equitable 39 advisers IFAs 39 Mr. Rechtshaffen 39 Tranquilidade 39 casualty coverages 39 Kingstone Insurance 39 Katsipis 39 Mortgage originations 39 MLC MasterKey 39 YOUR FUNDS 39 Cerulli Associates 39 investible funds 39 AEGON Americas 39 PIEs 39 Protective Life 39 adjustable rate 39 HRBFA 39 Balanced Portfolio 39 ICICI Prudential Life 39 Regulation XXX 39 Birla Sun 39 AGCS AG 39 net chargeoffs 39 Premiums Written 39 AIG SunAmerica 39 negative convexity 39 Defined Contribution Plans 39 proc fees 39 Transamerica Retirement 39 Professional Liability PL 39 MESP 38 Federally insured 38 Orange Savings Account 38 Partners LTCFP 38 Insured Retirement Institute 38 inverse floater 38 DirigoChoice 38 Berkshire Hathaway Reinsurance 38 Fund FHCF 38 Collateralized Debt Obligations CDOs 38 securitizations 38 IRA Rollover 38 Required Minimum Distributions 38 Transamerica Occidental Life 38 reversion schemes 38 UnumProvident UNM 38 pension schemes 38 AFBA 38 shareowner accounts 38 UCITS III compliant 38 Health Plans HDHPs 38 Roadway Sensors 38 MainStay Investments 38 Axa 38 RRGs 38 Deerbrook R 38 CSFB Tremont 38 Individual Retirement 38 YieldPlus Funds 38 viatical 38 Fixed Rate 38 nonstandard auto 38 Praetorian Financial 38 LLC NYLIM 38 Reward Checking 38 Specialty Casualty