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变动收入年金手册 THE HANDBOOK OF VARIABLE INCOME ANNUITIES

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最低价：￥1265.20

定价：￥1581.55

作者：Jeffrey K. Dellinger　著著

出版社：吉林长白山

出版时间：2006-12-1

I S B N：9780471733829

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变动收入年金手册 THE HANDBOOK OF VARIABLE INCOME ANNUITIES

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作者简介：
　　Jeffrey K. Dellinger, a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries, has over twenty-five years of experience in the financial services sector. As President of Longevity Management Corporation, Mr. Dellinger advises institutions on retirement income optimization, products, and markets. Previously, Mr. Dellinger headed the Individual Annuity Profit Center at The Lincoln National Life Insurance Company, the third largest U.S. annuity writer. While at Lincoln, Mr. Dellinger designed every individual annuity product sold. Dellinger is a Phi Beta Kappa graduate of Indiana University, with a bachelor's and master's degree in mathematics.

内容简介

With trillions of dollars in retirement savings assets, the tens of millions of Americans on the precipice of retirement need to convert these savings into retirement income. The fact that variable income annuities (VIAs) generate maximum lifetime income with zero probability of outliving it has spurred the need for more information about VIAs. The Handbook of Variable Income Annuities is by far the most comprehensive source of information on this topic. This book thoroughly describes the most important principles of optimal asset liquidation and demystifies VIA mechanics, so readers can gain a high comfort level with this important financial instrument. Interestingly and clearly, The Handbook of Variable Income Annuities explains the mathematical pricing of variable income annuities, expected rates of return, taxation, product distribution, legal aspects, and much more.

作者简介

Preface
Overview
Chapter 1: Retirement Income Basics
　A Game
　Your Retirement
　Self-Management
　Fixed Annuities
　The Game Revisited
　Fixed Annuities Revisited
　Variable Annuities
　Shortcoming of Simplified Retirement Income Projections
　Shortcomings of Traditional Retirement Income Approach
　Retirement Income Basics Summary
Chapter 2: Annuity Categorization
　Deferred versus Immediate Annuities
　Life-Contingent versus Non-Life-Contingent Annuities
　Tax-Qualified versus Non-Tax-Qualified Annuities
　Summary
Chapter 3: Immediate Fixed Annuity Mechanics (Non-Life-Contingent)
　Approach
　Fixed Annuity Payout
　Immediate Fixed Annuity Asset-Liability Management
　Duration
　Duration Example
Chapter 4: Immediate Variable Annuity Mechanics (Non-Life-Contingent)
　Approach
　Annuity Units
　Varying the AIR
　Volatility of Variable Annuity Income
　Immediate Variable Annuity versus Systematic Withdrawals
　Reverse Dollar Cost Averaging
　Owner Control after IVA Purchase
Chapter 5: Annuity Payout Options
　History
　Annuity Options
　Considerations in Selecting an Annuity Option
　Immediate Variable Annuity Prospects
　Value Equivalence of Annuity Options
Chapter 6: Annuitant Populations and Annuity Present Values
　Categorization and Characteristics
　Population Mathematics
　Annuity Mathematics (Life-Contingent)
　Annuity Mathematics (Non-Life-Contingent)
　Annuity Mathematics II (Life-Contingent)
　Alternate Derivation of Approximation Formula for Present Value of Annuities Payable More 　Frequently than Annually
　Continuous Life-Contingent Annuities
　Varying Life-Contingent Annuities
　Population Theory
　Mortality Improvement
　The Aging Process
　Aging Theories, Biomarkers, and Telomeres
　Force of Mortality
　Mortality Laws
　Mortality Tables
　Mortality Table Construction
　Considerations in Mortality Table Selection
　Formula-Based Mortality Tables
　Law of Large Numbers
　Life Expectancy
　Age Distribution Histograms
　Mortality Table as Survivorship Model
　Stationary Population
　Multilife Annuities
　Last Survivor Annuities
　Contingent Annuities
　Reversionary Annuities
　Last-Survivor Annuity with Pop-Up Provision
　Increasingly Important Concept in Tough Economic Times
Chapter 7: Immediate Variable Annuity Subaccounts
Chapter 8: Rate of Return
Chapter 9: Reserves and Risk-Based Capital
Chapter 10: Immediate Variable Annuity Taxation
Chapter 11: Services and Fees
Chapter 12: Product Distribution
Chapter 13: Individual Immediate Variable Annuity Underwriting
Chapter 14: Legal Issues
Chapter 15: Securities Law
Chapter 16: Forms of Insurance and Insurers
Chapter 17: IVA Business Value to Annuity Company
Chapter 18: Product Development Trends
Chapter 19: Conclusion
Notes
Glossary
About the Author
Index to Notation
Subject Index