That Annuity Show

In this episode, Paul Tyler and Bruno Caron catch up with Joe Jordan, a leading voice in purpose-driven planning, to discuss the evolving landscape of retirement. They explore the importance of finding meaning and purpose in retirement, the challenges posed by an aging population, and the emotional aspects of retirement that financial advisors often overlook. The conversation emphasizes the need for a holistic approach to retirement planning that includes community, relationships, and personal fulfillment. More about how https://www.josephjordan.com/about Books: https://tl343.infusionsoft.app/app/orderForms/Life-of-Significance-Bundle

div]:bg-bg-300 [&_.ignore-pre-bg>div]:bg-transparent [&_pre]:-mr-4 md:[&_pre]:-mr-9"> _*]:min-w-0"> In this episode, Paul Tyler and Bruno Caron welcome back Arun Muralidhar, co-founder of Alpha Engine Global Investment Solutions, to explore "SeLFIES" (Standard of Living Indexed, Forward-starting, Income-only Securities), an innovative retirement solution he developed with Nobel laureate Robert Merton. Arun delves into Brazil's successful implementation of "SeLFIES", which has attracted 105,000 investors and raised $2.8 billion since January 2023. The conversation highlights an approach to retirement planning that focuses on guaranteed monthly income rather than wealth accumulation, addresses the potential shortcomings of current retirement statements and target date funds, and explores potential implementations in other countries like India and the UK. Arun also discusses complementary innovations such as education bonds and using QR codes for retirement contributions, while emphasizing how these instruments could help address gender equity in retirement savings. For those interested in learning more about this groundbreaking approach to retirement security, Arun can be followed on LinkedIn: https://www.linkedin.com/in/arun-muralidhar-74b2182/ Listen to the full episode: thatannuityshow.com

In this episode, host Paul Tyler broadcasts from Noida, India, where he visits Zinnia's offices and speaks with their leadership team including Josh Everett (CEO of Zinnia India), Kapil Bhardwaj (Head of Global Processing), Pawan Choudhary (CTO), Rajan Agarwal (Head of Exchange Solutions), and Eti Gupta (Head of Marketing). Key highlights: Zinnia's India operations manage an impressive 1.4 million calls annually and handle over 55% of North America's variable annuity business, reflecting their critical role in the company's global strategy. Once viewed as a back-office function, India's operations have transformed into a Global Innovation Center (GIC), driving innovation and strategic growth. This shift leverages India's diverse talent pool across key cities: Bangalore stands out as a hub for AI and tech innovation, Chennai excels in engineering and operational capabilities, and Delhi/NCR is renowned for its deep insurance expertise and skilled knowledge workers. The conversation focuses on how insurance companies need to evolve, with key recommendations to: &]:mt-2 list-decimal space-y-2 pl-8"> Embrace transparency in operations Simplify complex processes Be bold in adopting new technologies Stay adaptable to changing trends Focus on building partnerships rather than vendor relationships The episode provides insights into how insurance companies can leverage India's talent and technology capabilities to transform their operations and improve customer experience.

In this episode of That Annuity Show, Paul Tyler and Tisa Rabun-Marshall engage with Kerra Bolton, a prolific writer and independent journalist, who shares her diverse career journey and insights into the retirement space. The conversation explores the challenges of career reinvention, the importance of understanding consumer concerns in retirement planning, and the role of fear and motivation in financial decision-making. Kerra emphasizes the significance of finding purpose in life and work, and how one's purpose can evolve over time. The episode provides valuable takeaways for financial professionals and agents on how to connect with clients and address their concerns effectively. Listen to learn more: thatannuityshow.com Learn more about Kerra: https://kerrabolton.com

In this episode, Paul Tyler and David Czerniecki, Chief Investment Officer for Nassau, discuss the rapidly changing economic landscape, touching on global political trends, the implications of tariffs, market predictions, energy dynamics influenced by AI, and the impact of interest rates on the insurance industry. They explore how these factors interconnect and shape the future of the economy, emphasizing a cautious optimism moving forward.

div]:bg-bg-300 [&_.ignore-pre-bg>div]:bg-transparent [&_pre]:-mr-4 md:[&_pre]:-mr-9"> _*]:min-w-0"> Susan Winkler of CT IFS joins Paul Tyler as a guest host to discuss their interviews from InsureTech Connect (ITC) in Las Vegas. The podcast explores the critical intersection of climate risk and insurtech innovation, featuring conversations recorded during the conference. The episode includes insights from Stacey Brown of InsurTech Hartford discussing industry AI adoption trends; Sabine VanderLinden of Alchemy Crew examining climate risk and its impact on retirement planning; Tom Polowy of InsureGo addressing personal lines challenges in the Connecticut market; Travis Grassel from the Iowa Department of Insurance providing regulatory perspectives; and Vilas Shah of Infosys sharing sustainability initiatives and innovation budget trends for 2025.

In this episode of That Annuity Show, host Paul Tyler, along with guests Bruno Caron and Tisa Rabun-Marshall, engage in a comprehensive discussion with retirement planning expert Suzanne Norman. They explore the complexities of retirement planning, including the emotional landscape retirees face, the importance of financial literacy, and the concept of 'Peak 65' as a significant demographic shift. The conversation emphasizes the need for purpose in retirement, the role of financial advisors, and the emotional aspects of financial decision-making, particularly concerning longevity and healthcare costs. The episode concludes with insights on how to better engage clients in meaningful financial conversations. Links mentioned in the show: RISE Score paper and calculator. Investing Personality (great for FPs and consumers). FP Resource site with a lot of education materials. Also, regarding the cognitive/financial topic, here are links to Chris Heye's Institute papers: https://www.protectedincome.org/research/cognitive-decline-and-desirability-of-protected-income/ https://www.protectedincome.org/research/aging-cognitive-decline-and-financial-decision-making/

Susan Winkler of CT IFS joins Paul Tyler as a guest host to discuss their interviews from InsureTech Connect (ITC) in Las Vegas. The podcast captures conversations with key industry leaders about AI innovation in the life and annuity sector, recorded during the conference. The episode features interviews with Nagesh Cherukupalli from Cognizant, who introduces the "Three I's" framework for AI implementation; Neeraja Rasmussen of SpyGlaz AI discussing sales optimization; Kumar Das Gupta from Allianz Life sharing carrier perspectives on AI investments; John Keddy from Lazarus exploring the concept of AI as a "Digital Coworker"; and Brent Williams of Benekiva providing market validation with concrete implementation metrics. Learn more at thatannuityshow.com

In this episode of That Annuity Show, Paul Tyler, Bruno Caron, and Ramsey Smith discuss the importance of reaching more people in the annuity industry with their products. They are joined by Sri Reddy, Sri Reddy, senior vice president of Retirement and Income Solutions at Principal® and a Principal Securities Registered Representative, who shares insights on retirement income solutions, pension risk transfer, and the evolving landscape of defined benefit plans. The conversation delves into consumer behavior regarding annuities, the rise of registered indexed linked annuities (RILAs), and strategies to address longevity risk. Sri also highlights the role of research from the Employee Benefit Research Institute (EBRI) in understanding retirement behaviors and outcomes. Learn more: thatannuityshow.com Important Information: Principal Custody Solutions assets under administration (AUA) were nearly $1 trillion as of December 31, 2023. Before investing in registered index-linked annuities, investors should carefully consider the investment objectives, risks, charges and expenses of the contract and underlying investment options. This and other information is contained in the free prospectus which can be obtained from your local representative or online at principal.com. Please read the prospectus and, if available, the summary prospectus carefully before investing. Investment and insurance products are: · Not Insured by the FDIC or Any Federal Government Agency · Not a Deposit or Other Obligation of, or Guaranteed by Principal Bank or Any Bank Affiliate · Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested Registered Index Linked Annuities do not directly participate in any stock, equity investments or index. It is not possible to invest directly in an index. Investing involves risk, including the possible loss of principal. IMPORTANT CONSIDERATIONS Index-linked deferred annuity contracts are complex insurance and investment vehicles. This contract is a security and there is a risk of substantial loss of principal and earnings. The risk of loss may be greater when early withdrawals are taken due to any charges and adjustments applied to such withdrawals. These charges and adjustments may result in loss even when the value of a segment option has increased. Clients should consult with a financial professional about the appropriateness of this product based on their financial situation and objectives. There is risk that this segment interim value could be less than the original premium payment even if the applicable index has been performing positively. The buffer or floor rate provides limited protection. There is a possibility of a significant amount of loss of the total premium payment, credited interest and prior earnings. In the index-linked segment options it is possible that the total loss could be 100%. If clients choose to allocate amounts to an index-linked segment option subject to a cap rate, that rate limits the positive index change, if any, that may be credited to the annuity for a given segment term. The participation rate limits the positive index change, if any, that may be credited to the annuity for a given segment term. It is possible to receive less than the full protection of the buffer rate or floor rate. Once a segment lock-in is executed, it is irrevocable for that segment term. A lock-in will not be applied retroactively and can only be exercised for the entire segment option. A segment lock-in may only be exercised once per segment term for each index-linked segment option. There is no guarantee that any particular segment option or index will be available during the entire period. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company. Pension plan assets transferred to an insurance company group annuity contract through a Pension Risk Transfer are guaranteed by the claims-paying ability of the issuing insurance company. The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment or tax advice. You should consult with appropriate counsel, financial professionals, and other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements. Employee Benefit Research Institute (EBRI) is not an affiliate of any company of the Principal Financial Group®. Annuity products and services are offered through Principal Life Insurance Company®. Custody and trust services are provided by Principal Bank®, Member FDIC, and/or Principal Trust Company®. These services are provided under the trade name Principal® Custody Solutions. Principal Trust Company is a trade name of Delaware Charter Guarantee & Trust Company. Securities offered through Principal Securities, Inc., member SIPC, and/or independent broker/dealers. Principal Global Investors® leads global asset management. Referenced companies are members of the Principal Financial Group®, Des Moines, Iowa 50392, principal.com. Annuities have limitations. They are long-term vehicles designed for retirement purposes. Annuities are not intended to fund short-term savings goals. Principal®, Principal Financial Group®, and Principal and the logomark design are registered trademarks of Principal Financial Services, Inc., a Principal Financial Group company, in the United States and are trademarks and services marks of Principal Financial Services, Inc., in various countries around the world. 3997008-102024

Today, Mike Odor, Head of Annuity Sales at Midland National Life Insurance Company and Branislav Nikolic, Managing Director, Head of Insurance at The Index Standard join us to talk about a new approach to guiding agents on how to think about recommending FIA index strategy allocations. They share insights on how the Index Standard is helping to streamline the decision-making process for agents and consumers. The conversation covers the evolution of FIA products, the importance of trust in index selection, and the need for tailored strategies based on client personas. The conversation focuses on the significance of feedback in product development and the balance between providing enough information without overwhelming users. Listen to learn more: thatannuityshow.com