What is a RILA? Registered Index-Linked Annuities Explained

Barbara Treadwell, a financial advisor and comprehensive financial planner for 42 years, discusses Registered Index-Linked Annuities (RILAs). She explains what makes them different from other annuities, walks through a hypothetical example comparing two $100,000 portfolios, and discusses how some products may include a long-term care benefit.

Topics covered:

• The two components of an annuity: market value and income value
• Downside protection (sometimes called a buffer) in 10%, 20%, and 30% amounts
• Transfer of risk, compared to homeowner's and auto insurance
• A long-term care benefit available with some RILA products with no additional cost and no medical underwriting
• The six Activities of Daily Living (ADLs) used to qualify for long-term care benefits

This content is for informational purposes only and should not be considered investment advice. Please consult with a qualified financial professional before making investment decisions.