Annuity Design & Risk Management
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Ruark Insurance Advisors, Inc. (RIA) specializes in the design and risk management of ancillary product features such as Guaranteed Minimum Death Benefits, Earnings Enhancement Benefits, Guaranteed Minimum Income Benefits, Guaranteed Minimum Withdrawal Benefits, Guaranteed Minimum Account Value Benefits, and Guaranteed Payout Annuity Floors.
Many of our unique reinsurance programs are tailored specifically to the variable market. One example is the Deferred Stop Loss program (DSL) for which a patent is pending. This program recognizes the long-term nature of the guaranteed minimum death benefits, the inherent volatility of the equity markets, and the need for direct writers to avoid large fluctuations in earnings.
