RILAs Are Still Breaking Sales Records
February 4, 2025 by Ben Mattlin
According to insurance-industry data tracker LIMRA, the only type of annuity that’s had record high sales every year since its introduction in 2011 is the registered index-linked annuity, also known as the “RILA.”
It’s not hard to understand why. This variation on variable annuities invests in mutual-fund-like subaccounts, allowing a high degree of market exposure. But unlike traditional variable annuities, the registered index-linked version gives you only a predetermined percentage of the underlying investment’s gains, in exchange for limiting how much can be lost if the underlying investment drops in value. Investors who want growth potential and downside protection have been flocking to registered index-linked annuities as an ideal solution.
Read the story via Financial Advisor