US based annuities provider F&G has debuted the Dynamic Accumulator FILA, a hybrid product that emulates features of two established insurance categories including fixed index annuities (FIAs) and registered index-linked annuities (Rilas).
The new product offers retirement investors 100% principal protection against market declines. Much like a Rila, the annuity also delivers increased upside potential and the flexibility to control levels of risk on an annual basis. The innovation was introduced to bridge a gap in the annuities market while the need for full principal protection grows more pertinent. Low interest rates really pressure the upside potential of these products - Tamiko Toland According to a survey conducted by F
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