RetireOne Partners With Dr. Michael Finke On Research Exploring Portfolio Income Insurance - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Annuity News
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Advertise
    • Contact
    • Editorial Staff
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Annuity News
Annuity News RSS Get our newsletter
Order Prints
April 26, 2022 Annuity News
Share
Share
Tweet
Email

RetireOne Partners With Dr. Michael Finke On Research Exploring Portfolio Income Insurance

By Press Release

SAN FRANCISCO--(BUSINESS WIRE)--RetireOne today released new research from Michael Finke, PhD, CFP, entitled, “Portfolio Income Insurance: Understanding the Benefits of a Contingent Deferred Annuity.” Dr. Finke, the Frank M. Engle Chair of Economic Security at The American College of Financial Services, examines a novel, pure insurance solution for designing reliable retirement spending plans for individual investors, and the various potential benefits.

The solution in question, a Contingent Deferred Annuity ("CDA"), unbundles insurance protections from underlying investments enabling Registered Investment Advisors (RIAs) to wrap client brokerage accounts, IRAs, or Roth IRAs with portfolio income insurance.

“It is possible for an institution to guarantee that a retiree will always be able to spend a fixed amount in retirement no matter what happens in financial markets,” writes Dr. Finke, who also serves as Professor of Wealth Management at The American College. “Portfolio insurance through a CDA provides the freedom to spend within one’s financial planning boundaries, without the fear of running out of money due to events out of one’s control.”

Preserving client spending in retirement is a critical objective for financial advisors that continues to grow in importance as Americans live longer, stirring fears of longevity risk. Insuring their portfolio prevents retirees from having to choose between a much higher risk of running out of money or of cutting back on spending to maintain a comfortable amount of income security.

"As longevity continues to improve, there is a growing concern among American workers that they may not have enough money to live at their current level, through retirement,” said David Stone, Co-Founder and CEO at RetireOne. "Dr. Finke’s studies demonstrate that a CDA can help consumers establish a reliable stream of income that can potentially rise in positive market conditions or protect against diminished spending in the event of market downturns."

Dr. Finke finds that the certainty of lifetime income provided by a CDA may give individual investors the assurance to not only spend confidently, but to continue to invest in equities without the fear that a market downturn will force them to spend much less than planned in retirement.

"If stocks outperform bonds, the retiree will accumulate a larger nest egg over time," writes Dr. Finke. "Greater retirement wealth can result in higher spending or a more substantial legacy as a reward for accepting investment risk. However, if investments underperform early in retirement, a retiree can continue to spend the same guaranteed amount despite a much higher risk of outliving savings."

In partnership with Midland National® Life Insurance Company, RetireOne recently launched a Contingent Deferred Annuity called ConstanceSM. Constance offers a flat certificate fee and the flexibility to begin taking income at any time, allocate to 75% equities, and sever at any time.

"Portfolio Income Insurance: Understanding the Benefits of a Contingent Deferred Annuity” is a free download on RetireOne’s website. Advisors who would like to learn more about Constance can schedule a meeting or call their RetireOne Relationship Manager at (877) 575-2742. For additional information, please visit retireone.com.

Press Release

Older

Mutual Of America Acquires Landmark Life

Newer

Deep Recession Seen In Deutsche Bank Report

Advisor News

  • Peak 65 consumers hit the pause button on retirement
  • More workers consider delaying retirement
  • The bipartisan kindness of caregiving
  • Advisors: Guidance, policy changes needed to support caregivers
  • Charitable giving: Cash ‘bad;’ everything else ‘good’
More Advisor News

Health/Employee Benefits News

  • Savvy Senior: Beware of the Medicare Advantage trap
  • Principal® Recognized As “Best Place To Work for Disability Inclusion”
  • Visitor Guard® Launches WhatsApp Support for Indian Visitors to the US
  • How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034
  • Savvy Senior: Beware of the Medicare Advantage trap
More Health/Employee Benefits News

Life Insurance News

  • ‘We lost a great one’: longtime life insurance educator Joe Belth dies at 95
  • Symetra Benefits Division Partners with Paralympian and Author Chris Waddell
  • Improving financial wellness: The key to elevating your overall well-being
  • AM Best Assigns Credit Ratings to Ceres Life Insurance Company
  • New York Life launches new Accident and Health products
Sponsor
More Life Insurance News

Property and Casualty News

  • Illinois leaders blast State Farm as it hikes home insurance rates
  • Visitor Guard® Launches WhatsApp Support for Indian Visitors to the US
  • Quandri Raises US$12M to Scale AI Automation for Insurance Agencies Across North America
  • Editorial: Gov. Pritzker and State Farm should stop throwing rhetorical bombs at each other and start negotiating
  • Regulators investigating insurance mailers from North Dakota utilities
More Property and Casualty News

- Presented By -

Top Read Stories

  • Americans prep for possible recession
  • Medicaid work requirement coming to NC; more than 48,000 could be affected in Triad region
  • Tariffs upend Q3 economic outlook
  • Sunny beaches and bright ideas: 2025 MDRT Annual Meeting recap
  • Health plans must prepare for changes after new rules
More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

2025 LIMRA Annual Conference
Gather with top executives, where bold strategies ignite inspiration.

Increase sales up to 30% with INN Academy
Master sales strategies from industry legends. Flexible learning, immediate results. Don't miss out—save up to 50%!

Press Releases

  • Xcela Secures Strategic Investment from Shinaji to Accelerate AI Innovation in Life Insurance
  • 3 Mark Financial Celebrates 40 Years of Excellence in Insurance Distribution
  • Senior Market Sales® (SMS) Acquires MIC Insurance Services
  • Giardini Medicare, a Social Media Education Powerhouse, Joins Senior Market Sales®
  • Royal Neighbors of America® Launches New Single Premium Whole Life Product
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Advertise
  • Contact
  • Editorial Staff
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2025 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet