Ruark Insurance Advisors (RIA)
RIA was founded in 1998 by our president, Tim Ruark. Tim recognized that the equity-based product market was underserved in terms of financial management capacity. He decided to work towards creating more capacity, while at the same time influencing the design of products to better manage the underlying financial risks.
RIA specializes in designing and implementing risk management solutions for the annuity product marketplace. Our expertise in product design, risk analysis, reserve valuations, and risk transfer related to the guaranteed benefits in variable annuity products, the indexed benefits under equity indexed annuities, and capital relief for fixed annuities can help you bring products to market faster and better manage the underlying risks.
From the October 2005 newsletter, Tim Ruark addresses practical implications as C-3 Phase II was about to be implemented.
C3 Phase II Practical Insights for this Year-End.pdf
Ruark Insurance Advisors has always practiced full disclosure of its brokerage compensation, long before it was fashionable.
Standing Tall on Full Disclosure.pdf
Has it really been 10 years since I authored the epic “Variable Annuity Guaranteed Minimum Death Benefit” – The Movie, in Contingencies Magazine? [I don’t care if you
don’t remember, my mom considers it an epic, so it’s an epic.] And what prophecy – so many of us have in fact vacated the offices mentioned therein: “There are two kinds of actuaries: those whose careers will end due to the GMDB, and those who’ll move into their offices.” And to prove timing is everything with comedy, that article was listed as “Humor”, but a few years later, I guess it wasn’t so funny.
Originally from our February 2005 newsletter, Tim Ruark contributes ways to improve VA risk modeling.
Insights on Modeling VA Risks.pdf
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