Variable annuities and turbulent markets

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What are variable annuities?

Under a variable annuity (VA) product, the policyholder's investments consist of managed funds selected to provide exposure to upside market performance. Additionally, optional guarantee insurance can be purchased to protect the policyholder's investment from negative market returns. A wide range of guarantees can be offered, as described below, enabling the benefits to be tailored to meet the varying needs of customers.

- Variable annuities and turbulent markets (PDF, 128KB)
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