Institutionally Priced Annuities

What are Institutionally Priced Annuities?

Institutionally priced annuities are a type of annuity contract that is typically available to institutional investors, such as pension funds, endowments, and large corporations. However, some insurance carriers also offer institutionally priced annuities to individual investors, providing access to institutional-level pricing and benefits. 

Key Features of Institutionally Priced Annuities:

  • Competitive Pricing: Institutionally priced annuities often offer lower fees and expenses compared to retail annuities, thanks to the bulk purchasing power of institutional investors. 

  • Risk Management: Institutionally priced annuities can offer various risk management features, such as downside protection strategies, to help safeguard against market volatility and longevity risk. 

Benefits of Institutionally Priced Annuities:

  • Diversification: By incorporating institutionally priced annuities into portfolios, investors can diversify their asset allocation and transfer the risk of loss to the insurance companies.

  • Long-Term Growth Potential: Institutionally priced annuities may provide opportunities for long-term growth, and limit the effect of sequence of returns risk, thus allowing investors to benefit from market appreciation and compounding returns over time, without the risk of loss.  

North American - Fixed Index Annuity

Integrity - Fixed Index Annuity

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