The entire point was that they are “simple” to understand. What happened to that?

September 4, 2025 by Sheryl J. Moore

Is this the year 2002?!?

Because structured annuities (a.k.a. RILAs) are “innovating” the same way indexed annuities were nearly 25 years ago…

LET’S COMPLICATE THE PRODUCTS TO BE DIFFERENT!

Listen: when I need a visual aid to describe how your indexing method works, it is a problem.

The agent will not understand it.

There is an even greater likelihood that the consumer will not understand it.

So, let’s quit making annual point-to-point/performance triggered/buffer/cap strategies, shall we?

The entire point of structured annuities/RILAs was that they are “simple” to understand. What happened to that? -sjm