Innovation of the year - Aegon's 5 for Life

Life & Pensions Awards 2008

Not so long ago, you could change your car, your house and your spouse ... but not your annuity. But flexibility in the retirement planning landscape has come quickly in the past few years. The US retirement landscape has seen tremendous development in the field of variable annuities - a broad church of retirement savings products that wrap mutual fund investments with income and accumulation guarantees, flexibility of investment, and death benefits.

The concept has spread to continental Europe a

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