Variable Annuities

Low-cost, no-load variable annuities on the RetireOne platform include investment-only variable annuities (IOVAs), variable annuities with lifetime income benefits (GLWBs or GMIBs), and index-linked annuities (sometimes called ‘buffer annuities’ or ‘structured annuities’). Listed below are the IOVAs and VAs with lifetime income benefits (sometimes called riders or guarantees).

VAs with lifetime income benefits are typically used to create income streams. RIAs and fee-based advisors favor IOVAs as pure accumulation vehicles—for upgrading or rescuing clients’ old, pricey, traditional VAs.