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Aegon Ask the Experts
Guaranteed products aren't for everyone but they can be a valuable solution in many different circumstances. They offer clients more choice and flexibility, and in some cases, a better way of achieving clients' goals without locking them into one solution for the rest of their lives. Clients can choose to guarantee their income (for life or for a set period) or their capital. Guarantees are also now available for Trustees of SIPP and SSAS schemes.
Against a backdrop of longevity and market volatility, unit linked guarantees are becoming increasingly popular, however, many advisers still approach them with caution. As we move towards RDR, more and more providers will be entering this market and greater consideration will need to be given to guarantees before reaching recommendations.
You have the opportunity to probe further and ask any questions you may have on these innovative solutions.
Colin Bell, European Variable Annuity Product Director at AEGON is on hand to help.
Question: Where do unit-linked guarantees fit in as part of a retirement strategy?
According to PA research, 66% of advisers polled said they did not recommend unit linked guarantees. Why do you think this is and what can be done to increase the number of advisers recommending the product?
Question: What education and training do advisers need with regard to unit-linked guarantees?
Other Aegon Ask the Experts articles
Question: What lessons can the UK unit-linked guarantee market learn from the more established markets such as the US and Japan?
Question: How does AEGON’s ULG plans differ from others? Why would your ULG’s be a better investment for my clients?
Question: What are the different types of bonuses you offer on your unit links and what guarantees does my plan have?
Question: What important role do you see these products playing in the retirement income space in future? Calm before a storm?
Question: Complexity and cost are two reasons I give when asked why I don’t recommend unit-linked guarantees to my customers. Are we likely to see more cost effective products coming onto the market?
Question: What are you doing to allay customer concerns about the longevity of this market?
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